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
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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