What type of insurance do I need to ensure prices don't go up as my cat ages?

DeadTomorrow

Hi there,

A while ago the vet advised me to move insurance from More Than to an insurer that doesn't put the price up as the cat ages - but I can't remember the name of the insurance he 'suggested' I consider.

Can anyone advise me on what this is called? Basically, I think he was saying that More Than's pet insurance will become more expensive as my cat gets older, while other insurers will fix the price from his current age.

Thanks!

krlyr

As far as I know, most if not all will increase premiums over time. Inflation, more advanced vet treatment, and then the likelihood of older pets developing health issues will all cause insurers to increase their price.

Vetsmedicover do offer a 'fixed price' policy so perhaps may not increase prices by age, but other factors will probably cause premium rises (and they, like many insurers, charge an additonal excess as a percentage of the claim for senior pets)

DeadTomorrow

krlyr wrote: »

As far as I know, most if not all will increase premiums over time. Inflation, more advanced vet treatment, and then the likelihood of older pets developing health issues will all cause insurers to increase their price.

Vetsmedicover do offer a 'fixed price' policy so perhaps may not increase prices by age, but other factors will probably cause premium rises (and they, like many insurers, charge an additonal excess as a percentage of the claim for senior pets)

Ah, thank you for explaining. So perhaps I'm better off just sticking where I am then.

I'm paying £30 / month, which feels like a lot but I'm not sure. My cat is a moggie by looks like a pedigree Siamese, so I always get told I need to insure for a Siamese price.