Companies that do pet insurance with NO EXCESS and deal directly with the vet

Sinhanada

I understand how you feel - the excess is huge, but having the insurance is peace of mind in case anything dreadful happens. We had ours for two years and then stopped. The following month our cat went missing and was run over - awful story but made insuring our next cats a must.

We chose Sainsbury's - not because they're the cheapest but they offered a £60 voucher and double nectar points. Insuring both cats meant we got £120 vouchers and double nectar points. Our cats this year are actually making us money!

KMR1984

M&S Insurance didn't charge an excess some 8 years ago, but now they most certainly do. Any others we've had since also do.

In regards to boosters, we have 4 dogs and went to vets4pets when they were younger and signed them upto their vaccinations for life scheme for £99 each, pricey that first time but now we go in each year, get their booster, check up and pay nothing. They also have regular offers on flea/worming treatments.

paddypaws101

Soleil_lune wrote: »

All the things weren't pre existing type stuff though: they were an infected paw after they got a scratch/bite, and a touch of cat flu, and a little fracture that healed well and only needed painkillers. Neither of them have had any of these things before or since.

maybe not, but you may find that any eye conditions or respiratory problems are excluded as they COULD be linked to the previous cat flu. Also, any arthritis or lameness in the fractured limb would probably be excluded.

UKTigerlily

Years ago one company didn't do an excess but now I believe they all do from £50 up

gettingready

paddypaws101 wrote: »

maybe not, but you may find that any eye conditions or respiratory problems are excluded as they COULD be linked to the previous cat flu. Also, any arthritis or lameness in the fractured limb would probably be excluded.

Was going to write that but Auntie Paddypaws beat me to it.

Whatever your cat was treated for before MAY be linked to anything in the future and therefore excluded by new insurance, as per examples above.

sallyj17

Having recently analysed more than 200 UK pet insurance policies for a new website I can confirm that I haven't found any with zero excess. £50 is the lowest I have found for a cat. You should also be careful to check whether you have to pay a percentage of each treatment fee (contribution or co-insurance) as this is becoming much more common even for younger pets.