New kitten insurance help please.

wort · 16 October 2016 at 10:28PM

Hi all, Pickles the kitten arrived this weekend, he's very confident and settled really well, he was a rescue from cpl , he loves to sleep wrapped round my neck !, he came with 4 weeks free insurance and so far had 2 quotes from pet plan and argos for 7 thousand lifetime policy. The argos one is half the price of petplan does anyone know if they are as good, and will the put premiums up a lot in the 2nd year ?

Money_maker · 16 October 2016 at 10:36PM

I'm also with Argos, was paying around £7-8, she's 5 now and I'm paying £10.78 monthly. I run a savings account alongside which I put the identical amount in with the idea that when she gets much older and it goes up a lot, I can use the savings account for any vets bills. I believe petplan are the best but I'm happy paying a more reasonable amount through argos.

wort · 17 October 2016 at 9:42AM

Thanks that's a good idea. Have you ever made a claim? Does anyone use Tesco ?

DD265 · 17 October 2016 at 11:57AM

Subscribed as hope to be shopping around for insurance soon too!

sheramber · 17 October 2016 at 4:59PM

I have one dog insured with Tesco for the last two years but have not had to claim. A colleague has claimed as her spaniel had allergies and they paid for allergy testing without any problem.

My premiums haven't gone up more than 5 or 6 pounds a months for an now 11 year old dog. I pay just over £300 per year.

Whether they put premiums up of you claim I can't say. Petplan do not, but their premiums are more in the first place.

wort · 22 October 2016 at 11:03AM

Am I right to think that I need to have the new insurance overlap with the free petplan insurance by 2 weeks ?

Money_maker · 22 October 2016 at 11:38AM

wort wrote: »

Thanks that's a good idea. Have you ever made a claim? Does anyone use Tesco ?

I've never made a claim. I have a friend whose dog is insured with Sainsbury and they've been really good. They've paid out around 6K for operations. Mind you, the monthly premium is ridiculous now. As the pets age increases, so does the premium whether you claim or not hence my additional savings account.

mum2one · 22 October 2016 at 11:50AM

We're with petplan with our dog and I can not fault the service we have just had to claim for an operation we just paid the excess and they pd the rest to our vet. Our last dog was insured again with petplan we only made 1 claim nearly 3k

I have a friend she has 3 cars there all insured with petplan.

With a new policy you can't make a claim for the 1st 14 days.

Digressing - I don't know re any other policies but with whole of life with petplan if anything does happen ur covered. With the last dog when we claimed he had fractured the bone in his spine it had fragmented into his spinal cord, touch wood he made 80% recovery - had we have needed more treatment or he had new illness /injury arising it was the peace of mind that we were covered xx

room512 · 22 October 2016 at 12:48PM

We're going to join our vets scheme. It covers everything except medication but we receive a 20% discount on any meds used. If they need x-rays or blood tests they're included and also their yearly vaccinations and claw clipping is in with the price. It's not cheap (think £17 a kitten) but if you don't need anything during the year then the next year you get a 10% discount. As it seems to be the consultations that cost I think this is the right thing for us.

sheramber · 22 October 2016 at 8:17PM

wort wrote: »

Am I right to think that I need to have the new insurance overlap with the free petplan insurance by 2 weeks ?

yes, you do for continuing cover. But be aware any condition arising in that 2 weeks will be a pre existing condition for the new insurance.

New kitten insurance help please.

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