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Insurance for cats

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PhysiofredPhysiofred Forumite
5 posts
MoneySaving Newbie
I’m thinking of getting two kittens from a rescue centre. Is it really worth taking out insurance? They will have been vaccinated etc before I get them, and I’ll have them microchipped. I had it in the past for my cats and never used it, as it doesn’t cover basics like flea treatment, so I’m not sure what to do

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  • edited 17 May at 2:24PM
    KxMxKxMx Forumite
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    edited 17 May at 2:24PM
    Insurance seems like a waste when you don't use it, for some that "waste" is worth it for peace of mind. 

    Inssurance is a godsend when you are faced with bills running into the thousands. 

    It all depends on your circumstances
    I'm on a low income so insurance was a must for me.

    If you can afford a large Vets bill (hundreds/ thousands) without insurance then it probably isn't worth it.

    I lost my cat last year, after £3.5k worth of vets bills, this was diagnostic only because she needed a specialist Vet. 

    A friend had a £2k vet bill after her indoor cat fell and landed awkwardly in the house, luckily she had insurance. 

    Not all big bills come from prolonged treatment.

    You will have some replies saying self fund, put  money into an account, that only works if by the time you need the money you have enough.

    If I had cancelled my insurance I'd never have saved up what the pet insurance ended up paying out. 

    My pet insurance had a limit of £7000 annually, difficult for most to match self funding. 
  • keepcalmandstayoutofdebtkeepcalmandstayoutofdebt Forumite
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    For my current cat who I got as a kitten, I have got insurance which I pay monthly (my parents don’t agree they say put the hard cash in a jar) I only did this as my last cat an old girl who came from a rescue centre so I never, or should I say, saw the point, esp with many options varying as to her real age) however, when she was dying, I’ll always remember to go to a vets middle of night/out of hours the appointment charge went up when I had said no insurance. (it was subsequently written of after arriving with her dead)


  • KiKiKiKi Forumite
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    It really is a judgement.  My previous two cats, I had no insurance.  I can afford vet bills, so it wasn't an issue.  And, actually, until the very end, I would have paid in far more than I got out. However, my 17 year old needed an MRI at the end which, with subsequent meds, was around £2.5k.  

    My current two are insured.  They had a bad background, have been very ill previously, and lived in a shelter for 2 years, so I thought it was probably worth keeping them insured (they came with a month's free insurance).  They are 3 and 4 now, and I pay £37.75 a month for them both, with PetPlan.

    Two things to bear in mind: insurance doesn't cover standard stuff like vaccinations, boosters, spaying etc, or things you 'choose', such as having a cat put down peacefully at home etc.  Also, you do tend to get what you pay for with pet insurance.  If you can get insurance for £5 each, you might benefit now, but may not benefit when it comes to covering everything / paying out.  

    If you can't afford to pay vet bills (and it would be unusual to get a bill for less than £100 if you're talking about a consultation plus meds - and closer to a thousand if you're talking about an operation) then insurance is a good idea.
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  • hb2hb2 Forumite
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    Our previous cat has an argument with a car, lost a leg,broke his jaw and cost us quite a lot of money (more than 20 years ago now). We were lucky that we could find it, but it was a struggle and I swore any other cat/s would be insured henceforward. 

    One of my current cats was very poorly a few years ago, we thought we were going to  lose her, and I was very glad of her insurance!
    It's not difficult!
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  • DD265DD265 Forumite
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    I previously had a horse and he was insured. Over the term of his insurance we claimed more (between illnesses and tack theft) than we paid in. We now have lifetime policies with PetPlan and also pay around £38 a month for two rising 4 year old cats.

    One of them was at the emergency vet with a urinary blockage over Easter - that cost £1800. PetPlan will cover some of the cost of a specialist food we're getting from the vet. The same cat is now at our regular vet, hospitalised following a second urinary blockage, with his bill so far at £700. Either he'll be having surgery next week - and the type/cost is yet to be determined - or he won't be coming home. We've got a £7k limit per issue per year and it should cover all this - but if it happens again we may be running low on cover and have to start self funding. If we end up there, at least we won't already be £7k down.

    There comes a point where, with a recurring issue, you have to decide whether to call it a day and not put the animal through any more. I don't want money to have to be a leading factor in that decision. I don't really notice £40 a month leaving the account as it's budgeted for, so to me, it's worth it.
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