Insurance for cat = bafflement
Discussion
Currently looking to get insurance for the cat we adopted.
For our purposes, it seems that a time-limited policy would be the most fitting, but the trouble is, I have no idea what is a reasonable amount of cover per year. I mean, is cover for up to £3k in a year sufficient? I've no idea!
For reference, she's a 7 year old silver Bengal, with no health issues.
For our purposes, it seems that a time-limited policy would be the most fitting, but the trouble is, I have no idea what is a reasonable amount of cover per year. I mean, is cover for up to £3k in a year sufficient? I've no idea!
For reference, she's a 7 year old silver Bengal, with no health issues.
My cat is insured upto £12k purely because i encountered hitting the limit on my other cat and it was a horrible position to be in. I couldn't afford to pay anymore on top of what I'd already paid and faced having to put him down when we were at the last hurdle.
Make sure it's a for life policy and check the small print about what happens when your cat hits 8 or 9 years old.
Make sure it's a for life policy and check the small print about what happens when your cat hits 8 or 9 years old.
Life policy, 7.5k a year for Moglet & Millie, they will be 2 at next renewal and it costs me £18/yr with £75 xs for them both. It went up almost double at year 1. When I enquired they said it was Moglet as he was a boy cat and more risk..... They weren't convinced when I told them the furthest he went was up and down the garden to check it was still there!
I paid for Pogull my old cat for 14 years and only managed a couple of dentals to keep the policy in balance with the premiums I paid against the policy outlay. When he got cancer and we went through the diagnosis/treatment etc the insurance were on the hook for 4.5K pretty quick. Sadly I had to have him put to sleep. You never know when and for how long you might need it so buy the best you can afford.
Any insurance is better than no insurance, that being said where the insurance really comes into it's own is with ongoing illness, I would suggest that although whole life policies are more expensive they are actually far better value than the time limited. With a dog this is even more important.
Pedigree animals are basically inbred, and as such tend to be predisposed to various problems and so more likely to claim on the insurance, which is therefore more expensive. Bengals suffer with eyes, heart, tend to be more stressy with associated issues + all the other cat problems, their life expectancy would be a little shorter than a moggy.
The fact that you are even considering insurance shows that you are an above average owner, work out how much you want to pay / can afford and take it from there. As the cat gets older it will be more likely to need the insurance and so the premiums will rise, some will also rise as you make claims, some will not.
Pedigree animals are basically inbred, and as such tend to be predisposed to various problems and so more likely to claim on the insurance, which is therefore more expensive. Bengals suffer with eyes, heart, tend to be more stressy with associated issues + all the other cat problems, their life expectancy would be a little shorter than a moggy.
The fact that you are even considering insurance shows that you are an above average owner, work out how much you want to pay / can afford and take it from there. As the cat gets older it will be more likely to need the insurance and so the premiums will rise, some will also rise as you make claims, some will not.
A PHer has written a guide to pet insurance - might be worth a read?
www.petmoneysaver.co.uk/blog/pet-insurance-buying-...
www.petmoneysaver.co.uk/blog/pet-insurance-buying-...
jkh112 said:
Who is this with? It seems a lot cheaper than the quotes I have had.
Need to check when I get back from hollibobs but I think it was a Tesco policy. I guess its only cheap until (a) you start to claim (b) the kittens get older. So long as the policy is in place and I keep paying the premiiums the cover is continuous Gassing Station | All Creatures Great & Small | Top of Page | What's New | My Stuff