Hello
Im new here and have a beautiful little kitten called Kami
He is a tabby (moggy i guess?)

Im just looking at insurance and wondered what the vet excess means? Im clueless at things like this.

thanks

An excess is the portion of a claim you pay, mine for my dogs £70

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www.lochandlake.com Ultra dog friendly holiday apartment near Loch Lomond

yeah some differ to if you shop around ,but it just means you pay the first £££ in the event of a claim

Aaah I see!

Any reccomendations of good insurers?

I'm with more than and they are the cheapest, not a bad deal either, its about £7 a month for Tilda

xx

Sainsburys do a lifetime cover that doesn't cost as much as others, am very happy with them!

buddys pet insurence is life time cover and 50 pound essass which means what you pay the vet your self and you dont have to pay a %of the claim and the state they pay the vet decect

All I can advise is that you do a lot of research & make sure you compare like with like! I've got lifetime policies for all of my cats (5!), but even "lifetime" policies differ. The cheapest pet insurance policies tend to be x amount or 12 months, whichever comes first. A lifetime policy should be just that, cover the pet for their whole life whether or not you've made a claim & no matter the age of your pet. Check that the amount paid is per year, not per illness. One of my cats (who's only 6) has recently been admitted as an emergency patient to a vet hospital after starting with seizures & it was also found to have had a stroke - don't know which came first. She's doing really well, but has had two spells in hospital. My policy pays £7000 for vet treatment per year, this resets at each renewal date, so each policy year £7000 is paid out if needed. So far, Saffy's first spell in hospital including tests (MRI scan, blood tests, ultrasound, intensive care treatment) came to about £2500, I haven't had the bill for the second spell yet, but think it'll be around £1000. She's also going to need another MRI scan (about £1000) soon. She is insured with M&S & they pay the claim direct to the vet if you want them to. They've paid up quickly with no problems. Theirs used to be a really good (& reasonably priced) policy, but it's really increased in price & has changed some of it's conditions now. I've stuck with them for two of my cats as I've already claimed for them - if I moved their policies they wouldn't cover their pre existing conditions. I've got another two cats with Axa & one with Petplan. You hope that you never have to claim, but if you do, the costs are high & mount up very quickly. Good luck - it's a pain doing the research, but it will be worth it in the long run.

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Mum to Saffy, Tilly, Sox, Mia and Munch