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    • fairy2
    • By fairy2 30th Dec 17, 10:20 PM
    • 125Posts
    • 9Thanks
    fairy2
    Good pet insurance for older cats - recommendations please
    • #1
    • 30th Dec 17, 10:20 PM
    Good pet insurance for older cats - recommendations please 30th Dec 17 at 10:20 PM
    I know that pet insurance does not cover existing conditions but I am looking for insurance for a few older cats. I do not really understand the difference between whole of life insurance and any other type of insurance. Can anyone please recommend pet insurance they think might be good for older cats. Thank you.
Page 1
    • kitty08
    • By kitty08 7th Jan 18, 8:53 PM
    • 37 Posts
    • 24 Thanks
    kitty08
    • #2
    • 7th Jan 18, 8:53 PM
    • #2
    • 7th Jan 18, 8:53 PM
    All my cats are insured through Petplan, and I'm very pleased with them. The latest addition to the family arrived just over a year ago when she was nine. Petplan accepted her with no problems. When you make your first claim, it's likely you will be asked to give a full medical history, with the details of all previous vets the animal was registered with. Don't worry about this, just do the best you can, and if you don't know, or there is no medical history, just be honest and tell them. Petplan paid out for my little girl, even though the first claim we made was very similar to a pre existing condition (although the tests proved it was not the same). They are also usually quick to pay out, and most Petplan policies include dental cover (very important, as dental procedures can be very expensive!)

    I would definitely recommend whole of life insurance, as it's very useful for chronic conditions, which are the real money pit. Whole of life means the insurance will pay out for a condition eg arthritis or kidney disease, for the rest of the animal's life. (so long as you continue to pay the premiums!)

    If you have several cats to insure, Petplan will also give a multi pet discount. It's also usually cheaper if you insure online rather than by the phone.
    I hope this helps
    • fairy2
    • By fairy2 7th Jan 18, 8:59 PM
    • 125 Posts
    • 9 Thanks
    fairy2
    • #3
    • 7th Jan 18, 8:59 PM
    • #3
    • 7th Jan 18, 8:59 PM
    Do you mind me asking about how much you pay as I think this is the insurer that came up about 70 per month per cat when I looked.
    • sheramber
    • By sheramber 8th Jan 18, 4:51 PM
    • 4,782 Posts
    • 3,578 Thanks
    sheramber
    • #4
    • 8th Jan 18, 4:51 PM
    • #4
    • 8th Jan 18, 4:51 PM
    What you pay depends on the cat's age and your post code. The postcode indicates the charges the vets in your area have. Dearer areas mean dearer premiums.

    So someone else's premium do not reflect what yours might be.

    Petplan are one of the few companies who do increase premiums if you make a claim. However, their premiums tend to be a bit dearer.

    Most companies increase your premium the next year if you make a claim.

    Lifelong means cover up to the vet fees each year as long as you keep paying the premiums. These are generally the most expensive policies.

    Lifetime per condition means there is an overall limit for each condition which you claim from each year you pay the premium until you have used up the amount for that condition. These are generally the second dearest policies

    Time limit policies- generally 12 months- means that you can only claim for a condition for 12 months from the date it first occurs. These policies may also have a vet fees limit on them. These are usually the cheapest polices as payout is limited
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