Pet insurance go up yearly?

[CocaKoala]

Does pet insurance generally go up every year - even though you've never made a claim? I was under the impression that it only really goes up when a claim has been made - but that could just be me being naïve.

I'm with pet plan and they've sent out my annual certificate which covers my cats for the following year and have informed me I'm now going to be paying £5 more than I was originally and have been for the past 2 years. I've yet to add kitten on the claim so it only covers 2 cats but I'm dreading how much extra it's going to be for 3 on top of the extra £5.

I've never - thankfully - had to make any sort of claim yet.

[derektheladyhamster]

yep mine goes up every year. I guess there is more chance of getting an illness the older they are. I'm about to claim for the first time in 5 years, and when I read the bumpf, I found out that when he gets to 7 I have to pay 20% of the cost (not sure if that is as well as the excess) (direct line)

[CocaKoala]

Thanks for replying derek - saved me phoning them. I won't bother now then, if it's the same for you. I think I'm going to have to read the bumpf that comes with it too.

I mean, I have taken them to the vets. Most recently when some nasty git pulled out Cat2's whiskers and she came in unable to stand let alone walk for long. Turned out she'd been hit on the head and suffered really bad concussion. But I held out on putting in a claim and forked out myself. I thought it would be easier that way because of premiums.

[tabulahrasa]

It goes up every year...but not when you claim actually, not with pet plan anyway.

It's just related to age.

[Whodathink1t]

Yep - mine went up £5 this year - possibly because madame is now officially Senior, and the particular breed doesn't tend to make it past 12 years old, apparently :(