I looked at petguard and the excess was £60 until the age of about 8 and then it was £60 plus 15% that is the reason i stayed with axa as they do not introduce a percentage which could work out expensive, i know you can change but if your cat develops an illness then you are kind of stuck with whichever insurance company you choose as no others would cover the condition so its best to get the right one first time round, im not saying that i have got the right one but i got so worried about all the different choices that i just went with what seemed best for me, also my axa quote said the excess was £75 but when the policy documents came its only £50, i rang petguard and as long as you put no to the 12 month cover only option you are covered for life although it took 2 phone calls to them to find that out as the first person i rang said that it only covered me up to £7500 per illness then it was not covered, which with a long term condition would run out at some point, so i should ring them and ask just to put your mind at rest before you decide,

I only have £3'000 for each cat - is this enough?
Ill check out my petguard policy later and get back to you

Thanks for the information!

£7500 lifetime cover limit? That isn't very good, is it? Animal Friends offer £20,000 lifetime cover limit.

I do worry about the £49 excess plus 35% of the claim... although, if I had a £1000 bill (fingers crossed I never see the day), I would only have to pay around £400. I suppose that is quite a lot, although... how often would I be landed with a £1000 bill?

Oh, I don't know His free Petplan insurance runs out tomorrow...

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Enzo - Maine Coon (Jemahan Double Action)
Soot and Alfie - Siamese Dumbo rats

In the insurance market, there are so many companies where you can get coverage for pet health insurance. The only problem that you might have is getting an affordable one..

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Insurance quotes

i personally would avoid ones with a percentage as you can get a similar quote without the percentage, and 35% is a lot even pet plan dont charge that until they are older pets although if you are not worried about paying a percentage have you looked at pet protect they are who my vet is promoting they do charge percentage but it goes up as your pet ages they told me it was no excess at all for the first year then between the ages of 1-5 it was £50 pound plus 15% between 6-9 it was £50 plus 20% and so on i cant remember the exact percentages as i deleted the email they sent, but their premiums were quite cheap i thought.

Thanks! Which insurance companies don't charge a percentage? I'd be interested in looking into them.

I thought Petplan were quite expensive... £3 more per month than Animal Friends! Also, they have a £70 excess fee!

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Enzo - Maine Coon (Jemahan Double Action)
Soot and Alfie - Siamese Dumbo rats

the only one i know of is the one i took out and thats AXA PET, im paying just under £13 a month for £7000 of lifetime cover ( i get a new pot of £7000 every year and covers ongoing conditions for life) but i have no experience with them other than taking out the policy just over a week ago so cant comment on claims etc i know they will pay the vet direct if your vet will accept this and like i said my quote said a £75 pound excess but when the policy came it only said £50 so im not sure wether this was a mistake on their part, but im not going to question it and hopefully ill never need it! and i think id rather pay a higher lump sum excess than have the worry of a percentage which wouldnt really put my mind at rest as i couldnt afford a big bill, so i would worry, and i took insurance so that i wouldnt worry!

Enzo is now insured through Petguard. I spoke to a Customer Services representative earlier... very helpful! Lifetime cover, a low £60 excess with no extra percentage added, cheap monthly payments... excellent. I can relax now - ahhh...

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Enzo - Maine Coon (Jemahan Double Action)
Soot and Alfie - Siamese Dumbo rats

thats good news, i may even change to them myself next year, its nice not thinking about it anymore isnt it! and lets hope we never need it!