Pet insurance question
Discussion
My two cats are insured with More Th>n for 2 years and renewal is due soon.
One of the cats had had an accident a few weeks back, requiring rear leg treatment.
£135 vet bill has been covered by the insurance (minus £75 excess), meaning they effectively transferred me £60.
Just received renewal letter from the insurers; new premium is exactly £60 higher than the previous year. Loving it.
So here's the question(s):
- Am I just dumb and should have known better than claiming such a small amount, instead of just paying and leaving it "as it is" and wait till (hopefully never!)confronted with a really huge vet bill (similar to handling claims on car insurance, for instance)?
- Previous annual premium was £95 per cat (renewal quoted £155)- surely there must be better deals out there?
One of the cats had had an accident a few weeks back, requiring rear leg treatment.
£135 vet bill has been covered by the insurance (minus £75 excess), meaning they effectively transferred me £60.
Just received renewal letter from the insurers; new premium is exactly £60 higher than the previous year. Loving it.
So here's the question(s):
- Am I just dumb and should have known better than claiming such a small amount, instead of just paying and leaving it "as it is" and wait till (hopefully never!)confronted with a really huge vet bill (similar to handling claims on car insurance, for instance)?
- Previous annual premium was £95 per cat (renewal quoted £155)- surely there must be better deals out there?
Edited by Flying Penguin on Saturday 25th July 08:04
I would have a look at what else is on offer but read the terms and definition of exactly what they will cover very carefully.
When I was researching pet insurance there are policies offered which are incredibly cheap but often they have a limit on the max they will pay out per year and can also exclude certain treatments after a certain period of time if your pet has a chronic condition.
I ended up going with John Lewis which was not the cheapest but got to say they have been brilliant at settling two very high cost issues over the years, no quibbling at all.
When I was researching pet insurance there are policies offered which are incredibly cheap but often they have a limit on the max they will pay out per year and can also exclude certain treatments after a certain period of time if your pet has a chronic condition.
I ended up going with John Lewis which was not the cheapest but got to say they have been brilliant at settling two very high cost issues over the years, no quibbling at all.
Flying Penguin said:
surely there must be better deals out there?
There might be, but you're kinda screwed now.Change insurers and encounter a problem with that cats same leg later on, or anything else vaguely related to the original injury, and you're looking at the new insurer refusing to pay out at all.
Some insurers have an eg 12 month exclusion on a pre existing condition (I think Petplan maybe one such company but you'd need to check) if you change to them.
I think the amount increase is a coincidence tbh.
How old are your cats? £12.91 per month is still quite a good amount (my 10yr old cats is £25/mth but she has had a s
t's load of treatment for that!!
I think the amount increase is a coincidence tbh.
How old are your cats? £12.91 per month is still quite a good amount (my 10yr old cats is £25/mth but she has had a s
t's load of treatment for that!!Edited by bexVN on Tuesday 28th July 19:40
Thanks for the replies 
Cats are 7 & 5 years old and until now, insurance increased by £15/ year on each policy. Seems More Th>n kinda fast- forwarded 4 years on the renewal quote...
Agree changing insurers with a pre- existing condition might backfire at some stage; will call them later and try to negotiate a better deal. Threatening to leave is always a good conversation starter (despite the fact that I am reluctant to change as policy cover is actually rather good); just hope insurers don't lurk on PH forums this morning
Cats are 7 & 5 years old and until now, insurance increased by £15/ year on each policy. Seems More Th>n kinda fast- forwarded 4 years on the renewal quote...
Agree changing insurers with a pre- existing condition might backfire at some stage; will call them later and try to negotiate a better deal. Threatening to leave is always a good conversation starter (despite the fact that I am reluctant to change as policy cover is actually rather good); just hope insurers don't lurk on PH forums this morning
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