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Should i cancel my cat insurance?

Discussion in 'Cat Chat' started by Emma_137, Aug 2, 2019.


Should i cancel my insurance?

Poll closed Aug 9, 2019.
  1. Yes

    5 vote(s)
  2. No - Too Risky

    0 vote(s)
  1. Emma_137

    Emma_137 PetForums Newbie

    Aug 2, 2019
    Likes Received:
    I have a 20 year old cat with Renal failure, potential tumour on her kidney so she lives out her days plodding around and snoozing. I am currently paying £70 a month (over £800 a year) for her insurance which is a huge amount, her medication costs around £15 a month, she has occasional check ups with are between £20-£50 depending on if they do bloods so I hardly claim. the last year the total was around £150-£200.

    I have always had insurance in case anything big happens but she is at the age where if something major happened or she needed an operation I have to honest and say that I wouldn't put her through the stress of it, just going to the vets causes her so much stress and its horrible to think of but she would be unlikely to survive an operation.

    It is unlikely I would need to pay out a large amount so think my insurance is a waste of money. What do you think? Too risky to cancel it and pay any fees myself.
  2. Ottery

    Ottery Cat Lady

    Jun 14, 2019
    Likes Received:
    I have exactly the same mindset as you do about not putting elderly cats through a raft of invasive tests and treatment, so if it was me I'd cancel. It isn't risky if you're only going to be paying for the usual run of the mill treatment she's having at the moment. You'll be saving £70 a month so you could put that aside into a little fund for any treatment she needs.
    Lurcherlad and Emma_137 like this.
  3. Ringypie

    Ringypie PetForums VIP

    Aug 15, 2012
    Likes Received:
    If you are 100% sure you aren’t going to need to claim for anything then I would cancel it. I am a big believer in insurance, with both Parsnip and Ringo having had vet bills which ran into the thousands. However for a very elderly animal where you are completely sure you wouldn’t want to put them through invasive treatment or tests i would be thinking along the same lines as you.
    chillminx and lullabydream like this.
  4. buffie

    buffie Mentored by Meeko

    May 31, 2010
    Likes Received:
    I am normally an advocate for pet insurance but in your case I would seriously be thinking of cancelling .
    If you put the £70 a month into a savings account I'm sure it will cover anything that a 20 year old cat will need from now on.
    As you rightly say you will be unlikely to go down the road of extensive tests/treatment at her stage in life .
  5. lullabydream

    lullabydream PetForums VIP

    Jun 25, 2013
    Likes Received:
    I would cancel and go down the pallative care route, if medications are unlikely to increase a substantial amount now.

    I think most people feel the same that insurance becomes too expensive over a certain age where pallative care would also be the kindest option. Just because we can, doesn't mean we should at times.
    Lurcherlad, kittih and Emma_137 like this.
  6. Charity

    Charity Endangered Species

    Apr 17, 2013
    Likes Received:
    We had this same situation with our last dog. We were paying more for the insurance than the vet treatment was costing us and we knew as she was elderly that if she had any further major problems we wouldn't put her through it so we stopped paying our insurance and just paid out of our pocket. I agree with @buffie, you may as well save the £70 a month to contribute towards any costs.
    lullabydream and chillminx like this.
  7. Soozi

    Soozi PetForums VIP

    Jun 28, 2013
    Likes Received:
    I agree with above I would cancel but buffie’s idea of putting a bit away each month is an excellent idea and at least you would have some funds there if you need it.
    I hope your girl can be kept comfortable for as long as possible cherish every day with her. xxx
    lullabydream and chillminx like this.
  8. Mrs Brown

    Mrs Brown PetForums Member

    Jun 27, 2019
    Likes Received:
    Your situation is so similar to mine! Very old cat with renal failure and it is slowly getting worse despite being fed (prescription only) kidney support wet and dry food. She is not nearly as keen on this food as regular kitty food so with vet's ok I add a tiny bit of tasty food to her kidney support diet just so she eats enough to keep her weight level. The prescription food is several times more expensive than regular stuff but she eats such a tiny amount it does last a long time.

    3-6monthly vet checks to monitor her and blood tests etc costing average £70+ a time. Plus from time to time she displays urinary infection symptoms which mean more visits and tests. Antibiotics if needed, again more cost.

    Also thyroid condition requiring lifelong meds @ £12 per month but her blood checks for this are included in the kidney condition tests. I ceased paying all insurance years ago and just pay the bills now. This same cat had many years without a single vet visit needed so now in her old age I am more than happy to pay what I have to. Also you need to consider any excess payment if insured, so weighing it all up I think NOT having insurance is better but of course there will be exceptions regarding major operations in younger animals. Like the OP I would not put my old cat through any operations at this stage of her life.

    I believe more and more pet owners are opting out of insurance and as long as there is a personal fund going to cover for any emergencies or unexpected illnesses then that is the best way.

    My cat who recently died from a massive internal growth and severe weight loss had reached the age of almost 13 and other than neuturing had not needed any veterinary care at all.
  9. bluecordelia

    bluecordelia Footy

    Jan 5, 2014
    Likes Received:
    I think so too. I took a conservative stance over heart treatment for my cat. If I had gone down the specialists suggested route there would have been blood tests, blood pressure reading , scans etc. He could not be fixed but had as good a last few months as possible. You are ticking over nicely and if you had a challenge to your pet ie trauma or another health condition you in some ways would need to make a tough decision.

    I in the back of my head knew if things deteriorated or something else happened then I would not carry on with him. My cat was insured through the last few months but I didn’t use it as I had decided to not have anymore invasive and upsetting to him vet visits and tests. For us it was the right decision.

    I hope this helps
    lullabydream, Soozi and Trixie1 like this.
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