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Recommendations for pet insurance.

Discussion in 'Cat Chat' started by Happy_Life, May 30, 2021.


  1. Happy_Life

    Happy_Life PetForums Junior

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    I am finally getting around to getting pet insurance ( I know I should have done this earlier! ) I was thinking about pet plan - Does anyone have any experience with this company or alternatively have any other recommendations?.
     
  2. Bertie'sMum

    Bertie'sMum Obedient Cat Slave

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    I had Pet Plan two cats back but wasn't very happy with them - the cat in question came from Cats Protection with 4 weeks free cover with an option to extend. During the 4 week period she needed vet treatment for a bowel issue - I queried with Pet Plan if the cover would carry over when I took up the option to extend. Initially they said "yes" and they did pay up for the treatment during the trial period. BUT when her issues carried on and I needed to make a further claim they made me pay the excess again saying it was a "new" claim. So in the end I only got back a fraction of what I had to pay the vet.

    I know that plenty of people here use Pet Plan and are quite happy with them, so perhaps I was just unlucky, or just unlucky to get a customer service agent who didn't know his ar*e from his elbow :rolleyes:

    I will be looking around for new insurance for my new cat - she has also come from Cats Protection with 4 weeks Pet Plan free cover and I haven't decided whether to stay with them or look elsewhere yet.
     
    UnderThePaw likes this.
  3. buffie

    buffie Mentored by Meeko

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    Meeko has been insured with Pet Plan since he was 14 weeks old (now 11 years old ) ,.Unfortunately he was diagnosed with IBD at around 18months / 2 years old .
    He has had all manner of tests blood tests/ ,xrays/ultra sound/endoscopy and referral to a specialist at Edinburgh Vet School Pet Plan have paid for all this without any questions asked .
    They are not the cheapest around but nor do they increase premiums if you make a claim I would happily recommend them to anyone.
    Make sure who ever you decide to go with that you read the small print very carefully and always get a "covered for life" policy that way if your cat has any on going issues they will be covered for their life time providing you renew your policy every year.
    It is also worth remembering that if you make the wrong choice now you may find it isn't easy to change insurers if there is any vet history of treatment which the new company will most likely exclude
     
    Jonescat, UnderThePaw and Ali71 like this.
  4. Arny

    Arny PetForums VIP

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    My previous dog was insured with petplan and we just continued for the 15 years we had him.
    Never had a problem with them and they cover dental which many don't (do double check any policy though in case things have changed).
    My current dog also came with 4 weeks free insurance with petplan and we claimed within that period and they paid no problem. We didn't bother continuing it for her though (due to age and breed would have been £300 a month!!).

    I've never insured my cats, I prefer to just pay the bills.
    As Buffie says I recommend covered for life policy whoever you go with.
     
  5. Marg.

    Marg. PetForums Senior

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    I have "Bought by many" Lola has pancreatitis & I have claimed twice for this, they paid out with no questions asked, the only thing I would say is..... they take their time, took about 5 weeks to be paid, the best thing is..... they don't charge excess, no excess is good I think.
     
  6. AstroKitties

    AstroKitties PetForums Member

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    We narrowed it down to Bought by Many and Petplan. Downloaded each of their policies and did pros and cons of both.

    With BbM we liked the higher cover amount and one excess whereas Pp is a few £k less cover and an excess per illness.

    Although we had no choice in the end but to go with Pp as we claimed on the free 4 weeks as it would have been excluded from cover by BbM, we had actually decided on Pp anyway as for us they offer holiday cancellation cover if you are prevented from going by a poorly pet.

    Read in detail what each provider covers and I'd recommended getting lifetime cover too.
     
  7. Gosza

    Gosza PetForums Junior

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    I have pet plan for my Woland, I got 4 weeks free from vets and then extended it, during free period Woland had bad constipation and had to take him to emergency appointment after which we had to stay with vet for around half of day. Pet plan paid it all, it was processed via vet so I had to only pay excess upfront.
     
  8. Mrs Funkin

    Mrs Funkin Human mother to Oscar

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    Pet Plan for us, mostly because they were the only company that would insure Oscar for a whole of life policy as he was 11 when we adopted him (and they'd only do it because he was a rescue). I'm very glad that we got whole of life policy as he has several ongoing conditions and has cost many pennies. We had a small argument with them about a dental (which they paid for but now will not cover further dental) but they paid the first dental/extractions.
     
  9. SmudgethePC

    SmudgethePC PetForums Junior

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    Vetsure for me but haven't had to use them...
     
  10. UnderThePaw

    UnderThePaw PetForums Junior

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    I’ve had my horse insured with Petplan for over 20 years and have had to make several claims and all without any problems except once or twice a bit of a delay processing. Looking at Petplan for our cats too as I’ve never had any issues and we get 4 weeks free with our vets’ kitten package so I’ve got a quote for each of them. One thing I was surprised at is our male kitten, born the same day as our female and all boxes ticked the same, is about £4 a month more expensive, but I believe from a search this is common as male cats are more prone to bladder problems.
     
  11. Jonescat

    Jonescat Don't do nothing. Do something.

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    Petplan have been brilliant for mine. You do have an excess to pay, and the cost does go up quite a bit when they get older (ten I think) but so do the bills if you are unlucky, and so far I am financially ahead on the cat that I have claimed for. Very fast to process a claim and simple to deal with. I do understand when people say they would pay the premium in to a bank account of their own but you need to be financially disciplined to do this, and you need to start with a lump sum in my view, in case you need it in the early days.
     
  12. OrientalSlave

    OrientalSlave Shunra Oriental Cats

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    I have never insured and am well ahead. However my cats are not allowed to roam freely so the expensive accidents and illnesses that can be acquired that way haven't happened to me. Max had a £1k visit to the Royal Dick a few years ago, just had a dental for £300. He's 14 in a couple of weeks, 13 1/2 years of premiums would be rather more than what he's cost me at the vets. Insurance companies are businesses, and they expect to make money which they do by in general charging more than they pay out. Those that have expensive claims are the minority. So to insure or not depends on your personal finances.

    But to be clear, I'm talking about cats, not dogs or horses where there are additional considerations about 3rd party liability.
     
  13. Arny

    Arny PetForums VIP

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    Often you'll have 3rd party liability with house insurance so it's worth checking.
    My cat was mauled by a dog and the owners house insurance paid since they're classed as property.
     
    OrientalSlave likes this.
  14. MissMiloKitty

    MissMiloKitty PetForums VIP

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    Petplan. Milo is not yet 4 and has developed cardiac issues. The scan alone cost £600 and I'm in the North of England
     
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