You need to shop around to see what suits. The only advice I would give is to be careful to read the small print. Some insurance policies look good because they are cheap, but one of the main pitfalls of some cheap insurance policies is that your pet is insured for an illness only on a 12 month basis as opposed to a lifetime policy.

What this means, in effect, is if your pet develops a condition which will require treatment for the rest of its life, for example, colitis, diabetes, ashthma then some policies will insure your pet when the condition is first diagnosed and they will continue to pay out till the end of the twelve month period. Once the policy comes up for renewal, they will no longer insure your pet for that condition and they add it as an exclusion to the policy.

Other policies, which offer insurance throughout the life of the pet, continue to pay out year after year for that condition, never adding it as an exclusion at the end of the twelve month term. These insurance policies are generally more expensive but the best in my opinion.

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Thanks for the advice, guys. My vet also recommended Petplan but I just wanted to see what everyone else uses

Slightly off topic - comparison sites and credit checks.

Hey ho - be assured that these worries are groundless. (I can guarantee it on my website )

Credit checks are taken when you apply for a loan. If you are asking for a quote - which is what happens on comparison sites - then there's no need to run a credit check. Even so, most insurance companies wouldn't bother because if you fail to pay your monthly premium they'll simply cancel your insurance.

Such checks can only be made by the company you are applying to - they cost money to undertake and there's no point in a comparison site undertaking them.

However, where comparison sites gather your details and pass them on for quotes they have a limited number of companies that they can transmit them to, so you won't get a decent picture of what's available, i.e. they leave out a number of companies that might suit you better. On my site I let you see what the offerings are - and then let people ask for individual quotes.

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Things you should know before insuring your pet can be found at Important Facts about Pet Insurance. I can also try and answer questions about Pet Insurance via PM. I am not an insurance broker.

Watch out for vets who only use one insurance company for claims, happened to a friend recently, she had to have emergency surgery on her dog and it turned out the vets only worked with one company and said she would have to pay the bill in full then reclaim it herself! OUCH!

So worth checking with your vet first just incase (I did see someone's post on this thread about the vet not recommending any particular company which is good but obviously this practice had other ideas).

Vets are not allowed, by law, to recommend only one company. They may, however, act as an agent for one (usually Pet Plan).

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Things you should know before insuring your pet can be found at Important Facts about Pet Insurance. I can also try and answer questions about Pet Insurance via PM. I am not an insurance broker.

Cat insurance is an important expense for your cat. So, for quick results you should take help of the internet for searching good insurance company. They will offer good plans and fulfill all essential needs of your pet.

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"A house is not a home without a pet."

This is usual and how most pet insurance works because some companies are reluctant to pay out, so the vets want their money for the service they have provided and it's up to you to make the claim.

We use pet plan

On a note about the voucher, double check unless i read tv ad wrong its only dog ins that you get voucher with, please correct me if i did read it wrong x

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One day i'll learn where the spellcheck is on my phone, so sorry for any mistakes

I used Healthy Pets last year and More Than this year. Didn't have any claims last year but they seemed ok, have had a few claims so far this year (think we are coming up to the 4th ) and More Than have so far been excellent - I've received the money quickly and in whoever's name I've requested it, and you have 24 hour access to a free advice line staffed by vet nurses

Laura x

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I came, I purred, I conquered...