Insurance for my Cat ??
Discussion
Should I stick a tenner in a jam jar once a month, or should I take out an insurance plan ?
Not sure what the best option is.
Any recommendations on Insurance companies for good value / good service ( and not being ripped off !!) The minefield of websites is a bit daunting.
Whats your opinion ???
'Mr Jasper' will be 3 years old in February. He is on outdoor chappie, chipped, had his balls nipped, and fit as a fiddle.
( He is also looking for a 'girlfriend')
Not sure what the best option is.
Any recommendations on Insurance companies for good value / good service ( and not being ripped off !!) The minefield of websites is a bit daunting.
Whats your opinion ???
'Mr Jasper' will be 3 years old in February. He is on outdoor chappie, chipped, had his balls nipped, and fit as a fiddle.
( He is also looking for a 'girlfriend')
I was swung towards pet plan because of their lifetime care type thingumy.
E.g. If tiddles there needs a drug to keep him alive at £50 a month for the rest of his life. You're covered so long as you keep renewing the annual policy.
Some other companies will simply refuse to cover you when the policy ends apparently.
E.g. If tiddles there needs a drug to keep him alive at £50 a month for the rest of his life. You're covered so long as you keep renewing the annual policy.
Some other companies will simply refuse to cover you when the policy ends apparently.
It depends on your risk profile. I take the jam jar approach and have saved thousands. Conversely there will be people (posting below very soon) who will tell you that Tiddles got run over and the vets bill was £4,000 and thank heavens for the insurance. All things being equal, you will lose by it, but you may think losing is worth it for 'peace of mind'. Up to you!
We had insurance for our dog at £14 a month, but after 3 months cancelled it. I don't mind at all paying the everyday costs of vets checks, worming tablets, grooming costs, etc.
But in relation to insurance, my decision (which might not be in favour with the PH animal lover set) was that if the vets bills were going to be truly exhorbitant for something, we could get another dog
But in relation to insurance, my decision (which might not be in favour with the PH animal lover set) was that if the vets bills were going to be truly exhorbitant for something, we could get another dog
We've got our two covered on PetPlan, not had them long and not had to raise a claim (yet, touch wood) so no experience of the "other end" of the policy but from a fair bit of research I failed to find anyone with anything very negative to say about them. They maybe are a touch more expensive than others but they're the only company we could find that would cover conditions for the whole life of the animal, not just until the policy renewed.
What price peace of mind?
What price peace of mind?
Depends if you can find £2000+ if you need to if something very bad happens to the cat. If not I'd definately consider insurance as it's a fairly horrific situation to be in when you can't afford the best healthcare for your cat.
The majority of cats will have long healthy lives without any problems, so overall the £10 in a jamjar approach should save you money, just depends how lucky your feeling.
If you do go for insurance life-long policies are better than 12 month ones, your less likely to have problems with exclusions. I'd want at least £3000 fees per annum or £7000 per condition, obviously higher limits are better but cost more. Avoid anything mentioning E&L (make sure you check the small print too!) as most vets will refuse to do direct claims with this company.
The majority of cats will have long healthy lives without any problems, so overall the £10 in a jamjar approach should save you money, just depends how lucky your feeling.
If you do go for insurance life-long policies are better than 12 month ones, your less likely to have problems with exclusions. I'd want at least £3000 fees per annum or £7000 per condition, obviously higher limits are better but cost more. Avoid anything mentioning E&L (make sure you check the small print too!) as most vets will refuse to do direct claims with this company.
Ours are both with Pet Plan, as was their predecessor.
For those that don't think insurance is a worthwhile thing, you might like to have a read through this by K77 CTR:
http://www.pistonheads.com/gassing/topic.asp?h=0&a...
For those that don't think insurance is a worthwhile thing, you might like to have a read through this by K77 CTR:
http://www.pistonheads.com/gassing/topic.asp?h=0&a...
paintman said:
Ours are both with Pet Plan, as was their predecessor.
For those that don't think insurance is a worthwhile thing, you might like to have a read through this by K77 CTR:
http://www.pistonheads.com/gassing/topic.asp?h=0&a...
The final bill was £7600, only insured to £6000. I will stay with current insurance company for another year (halifax) as he is on a for life policy but as long as all remains ok I will change him to petplan after that. Petplan offers cover upto £12,000 I don't ever want to be in the position that I have been recently wondering what happens if I can't afford further treatment. It would have been heartbreaking to have to put him to sleep after so much effort just because I couldn't afford to complete the treatment.For those that don't think insurance is a worthwhile thing, you might like to have a read through this by K77 CTR:
http://www.pistonheads.com/gassing/topic.asp?h=0&a...
K77 CTR said:
paintman said:
Ours are both with Pet Plan, as was their predecessor.
For those that don't think insurance is a worthwhile thing, you might like to have a read through this by K77 CTR:
http://www.pistonheads.com/gassing/topic.asp?h=0&a...
The final bill was £7600, only insured to £6000. I will stay with current insurance company for another year (halifax) as he is on a for life policy but as long as all remains ok I will change him to petplan after that. Petplan offers cover upto £12,000 I don't ever want to be in the position that I have been recently wondering what happens if I can't afford further treatment. It would have been heartbreaking to have to put him to sleep after so much effort just because I couldn't afford to complete the treatment.For those that don't think insurance is a worthwhile thing, you might like to have a read through this by K77 CTR:
http://www.pistonheads.com/gassing/topic.asp?h=0&a...
t.
I've got both of mine with PetPlan.
I may well not have bothered, and put a tenner in a jar - but our dog had an unexpected eye problem, and the bill came to nearly £4000. I know dogs cost more, but at even half that, there's no way I could put my hands on that sort of cash.
I pay less than a tenner a month for each of them, and that gets lifetime cover and zillions of pounds' worth of vets bills covered.
I may well not have bothered, and put a tenner in a jar - but our dog had an unexpected eye problem, and the bill came to nearly £4000. I know dogs cost more, but at even half that, there's no way I could put my hands on that sort of cash.
I pay less than a tenner a month for each of them, and that gets lifetime cover and zillions of pounds' worth of vets bills covered.
No, no previous contact. I was curious as to whether he was like that all the time. Looks like I got a biteGassing Station | All Creatures Great & Small | Top of Page | What's New | My Stuff