Which insurance plan for cat

lazar1980

Hi all,

just adopted cat from Battersea cats home and checking around for insurances gave me headache only.

Not really sure what type of cover to go for so if you could spare some time and advise?

Cookie will be 3 years old in July, if of any help for .


Many thanks

WeAreGhosts

I've been with Tesco for two years. My rescue cat has a number of problems and Tesco have always paid out.

This month's Your Cat magazine has a breakdown of lots of insurers and tells you the benefits and costs of each.
http://www.yourcat.co.uk/Your-Cat-Magazine-Current-Issue/your-cat-current-issue.html
If you scroll through the pages you can see half of it (there's more on the next page which aren't shown on the link)

sheramber

I would always recommend lifetime cover where an amount for vet fees cover is reinstated every year as long as you pay the premium.

That means any continuing illness is covered up to the annual limit for as long as you renew the policy.

So if your annual cover is £5000 and you claim £1000 in year one for one condition, you would have £4000 left for any other claims in the same year.

When the next year starts you have £5000 again for the next year for any claims.

This is generally the most expensive insurance but the most comprehensive cover.


The next is where a limit is put on the total cost of a claim for each separate condition. So , with £5000 cover and you claimed £1000 you would have £4000 left to cover that condition in the future.( year 2, 3 ,4 etc) reducing each year by any claim paid.

However, you would still have £5000 for any other condition you claimed for. Each condition gets it own limit which reduces with each claim for that condition.

This is generally the next expensive cover

In the first case you have a limit on your total claims for each year. Several claims for different conditions could add up to your annual limit but then the total is reinstated the next year,

In the second, you have a limit for each condition and could reach that limit if a condition extends over several years.

the cheapest cover is cover for a condition for 12 months only up to a set limit.

So if a condition extends over 12 months you no longer have any cover for that condition.


You do need to read the policy document- not the policy summary- carefully so that you know exactly what you are covered for.

If you Google for a company name and 'reviews' you can see what others have written about the company. Remember people are more likely to complain than praise but it can give you an idea of thise companies who are reluctant to pay out.

Check who the underwriters are- usually stated on the website or in the policy document. I would avoid anyone connected with E &L who seem to avoid paying out.

Check the amount of the excess you have to pay on a claim.

If direct payment to your vet is important ask them which companies they are willing to claim direct from. e.g Some vets will only direct claim from Petplan. Others will have companies they will not claim from, usually due to problems getting paid.

lazar1980

Many thanks for comprehensive explanation.

Will look into it now.


Regards