Hi

I am an experienced cat owner, but I have no idea about vet fees and law.

Currently I am owned by 2 kittens, 6 months old. They are both moggies, born on a farm, in a barn, almost feral, basically had got rough life till I get them at 6 weeks old (I know I know too early, but they are better with me than staying there) They had all kind of parasites, worms, fleas and ticks on them. It had been treated and they have been properly warmed, microchipped, neutered etc. They are eating best food as well. We also leave at the end of cul-de-sac in very quiet area.

My question is, considering above, which insurance to choose from? If my pet does not have any long time illnesses is a "per condition" enough?
What I am really worried are vet fees, I do not need anything else. It`s £2,500 enough?

If I have the covered for life one still:
Terms, conditions and excesses apply and may be varied at renewal.
so they still can quote me a lot on reneval?

On the other hand if I will claim for i.e. accident it is not a long term ilness and I can just switch insurers after 12 months? Will not work out cheaper after all?

I had to take one of my cat to the vet as he got stung by the bee. I paid over 50 pounds and I understand that I would pay it anyway regardless being insured or not? Because all of the companies have an excess of min £65?

Thank you for the reply in advance

Well I mean its hard to say. I cannot tell you if your cat will or will not have a 'long time' illness. They could develop diabetes which could easily go over your 'per condition' amount very quickly, same with all manner of unpredictable illnesses.

I have lifetime cover, £6000 a year no matter what.

I would try and stick to one insurer, and get lifetime cover, as if you don't get lifetime cover it means that any illnesses claimed the year before will hike up your premium which you don't want.

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Thank you for the reply.
Thats why I am dazzled. I guess it is a math - if they are well fed (and they are) and leave in remote area chance they will develop sth nasty is quite low.
But if I will get "no claims bonus" over the years, I would have cheaper insurance for later when they will become ill. I guess?

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Tiger&Tigger

I honestly don't know as I havent had my insurance for a year yet.

its always a risk and it is impossible to predict. You could have the best fed safest cats ever and they could get diabetes, or thyroid issues, or be hit by a car, or anything. Some illnesses are simply genetically predisposed, cancer, anything could happen which has nothing to do with giving them the best nutrition.

On the flip side, you could have a cat fed only dry food all its life, living in a high traffic area and never need a vets.

You cant predict it. If getting insurance I would always go with a lifetime cover as really annual policies are only going to be worth it for one off accidents and 'one off' periods of illness. If your cat gets diabetes in year 3, the rest of its life you are going to have no insurance cover for their illness.

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I've been with Petplan ( a life plan) for nine years for my older cat - I have never claimed and have never received a "no claims bonus" either. Wish I'd thought to ask when I set up my new kitten's policy but I suspect there's no such thing with pet insurance. Harry's premium has gone up this year, I think because he's now over the magic age of 8 years (after which most insurance companies won't start new plans - one reason why life cover is so important).

Thank you for the reply

I run some quotes and I am not sure if I understand correctly that this ASDA plan is for life?

Superior Cover :

Treatment period: no limit (As long as payments are made in full, on time and the policy’s renewed at the end of the term)

Vet Fees : up to £6,000 (Ongoing cover is provided up to £6,000 per incident, subject to premiums being paid and up-to-date and the policy renewed)

Does it mean that if my kitty will develop diabetes (god forbid), I have only £6000 to spend in his whole life? Or it is per year?

thank you

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Tiger&Tigger

I dont believe either of those are lifetime cover: Pet insurance - FAQs - ASDA

The first two tiers are only for a 12month period, so if you cat gets diabetes for example, in month 11 of the cover, you only get 2 months of treatment insured. After that its on your own. The top level cover only gives a certain amount of money per condition, so once your treatment goes over that, again, youre on your own.

So to anser your question, yes you would only have £6000 to spend on his diabetes for the whole of his life.

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Have a read of this link, Pet Insurance - Compare pet insurance policies from the major pet insurers and save money it may help you.Albert Ross is a PF member and is very knowledgeable in pet insurance.

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Thank you again I think I am starting to understand a little bit. I have noticed I can not read small print for a very simple reason, it is not there till you commit to buy

I found Homebase Lifetime Cover (£96)
Excess: £75
Amount Per Condition Per Year £2,500
Amount Per Policy Per Year £2,500

Is it good enough for healthy kitten living in the middle of nowhere?

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Tiger&Tigger

Well honestly no one can say their cats are 'healthy' in terms of insurance for the future. Anybodies could get any sort of debilitating and expensive illness. So its up to you what risks you want to take and what level of cover you wish to take out.

As said on the site Buffie linked you to, Homebase offer a lifetime option and I would 100% go for that over an annual policy.

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