Hi,
I did a lot of research before getting Pearl and decided to insure her with Petplan, who cover the pedigree cats that I have and are brilliant. Over the years they have paid, direct to the vets, for just about every illness and believe me the Siamese was a poorly, poorly cat who spent c£20,000 of their money in less than 6 years.....
BUT Pearl came home with 4 weeks free insurance from the Kennel Club. Their insurance is every bit as good as Petplan; again they pay direct to the vet and promptly plus have similar levels of cover. The advantage is that you can opt to pay a % contribution to the vet fee, if you choose which lowers the premium [10%, 20% etc]. In Pearls case and bearing in mind the other 2 cats have also racked up an excess of £11,000 in bills.....I opted to pay the highest premium with no personal contribution and was glad I did when Pearl was ill last year. Incidentally, the quote I had from Petplan for Pearl was £32.00 pcm which I thought was high [cats are only £8 to £17 dependent on age] whereas Kennel Club is £17.00 pcm.
All polices are lifetime with maximum vet coverage each year. Excess ranges from £65.00 to £95.00 for the 10 year old cat. The 10 year old has been ill several times in his life and has no exclusions in his policy; I've yet to see what happens when Pearl's is renewed this year but I believe I have a lifetime policy, not per condition or year.
I'm sure there are lots of other insurers out there who are equally as good. One thing I did do was to check with the Vets [who I have a pretty good relationship with...wonder why??] as to which they preferred I went with i.e. which companies are easier to deal with/pay quickly etc.
Hope this helps.
Did anyone mention how expensive pets can be
