Insurance

[Moonrocks6]

Hoping someone here can help as I am a bit confused.
I have just got the renewal notice for Her Majesty's insurance and both the cost and the excesses have shot up for some reason so am looking to change insurers.
Looking at the comparison sites at the mid priced policies there seem to be two options:
Option 1- £4000 cover per condition per policy year
Option 2- £7500 total per policy year

Can anyone give me a clue about which is the better deal?

Puss is two years old and has no existing conditions (other than extreme demandingness) if that makes any difference.

Thanks

[Moonrocks6]

Thank you. Loving the username.

That's the way that I read it too but wasn't sure of the best way to hedge my bets as there is nothing currently wrong with her.
I am trying to work out which would be the best for if she develops illness as she gets older but it all seems like a gamble.

Which way have others gone?

[PinkSparklyPussyCat]

Harry is with Petplan and we get £7000 total per policy year. To be honest I don't know which is best, I went with Petplan mainly for their reputation and because I thought £7000 was decent coverage.

[WeirdAndPissedOff]

As others have said there are benefits to both, so there's no obvious "better" ones.
Have you checked both for any exclusions?

I think I personally would go for the £7500 one, as multiple conditions that would need more than £7500 Total but benefit from £4k each would seem unlikely, whereas a single incident or illness could easily go over £4k if MRI or surgery is required.

However the £4k one would mean that if you had one high-cost accident/illness that wiped out the cover Total, you would still be covered for the year if something different happened, IYSWIM?

[Moonrocks6]

Thank you for your replies. Still really undecided. Why do these things hAve to be so bloody difficult?!?

[Notonthelawn]

Ive been looking this week.

I think Im going with Tesco for the £7,500 per year,

It works out at £9 a month with £60 excess.

The other choice with Tesco was £7 a month with £200 excess.

You get a £30 giftcard with it, if you do it before Tuesday.

I looked at some for £2 a month but I hadnt heard of the insurers before & Petplan gave me a quote of £22 a month.
Its a minefield, so Im going 'middle of the road' and spending the £30 giftcard on me