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Female cat insurance

(12 Posts)
QueenieMum Sun 24-Sep-17 21:17:48

As some of you know I'm looking to adopt a rescue cat. I'm interested in a young female cat who was pregnant when rescued & subsequently had to have a caesarean. She was spayed after the caesarean. This is the only part of her medical history that is known. Does anyone have any experience of this and whether it affects insurance? I've done a quote for her via PetPlan and although I got a quote for a female there were no questions about pregnancies so I'm guessing that if it is something 'notifiable' I'd need to do that when buying the policy. I've emailed PetPlan about this but wondered if anyone on here had any experience or advice?

Toddlerteaplease Mon 25-Sep-17 00:48:33

Mine were ex breeding queens. I have never mentioned it to the insurance company.

PinkSparklyPussyCat Mon 25-Sep-17 07:44:15

When we adopted Harry I didn't have any information about his medical history as he was a stray. When I took out insurance I answered to be best of my knowledge.

PinkSparklyPussyCat Mon 25-Sep-17 07:45:56

Sorry, I've just reread your post. Clearly Harry had never been pregnant so that really wasn't helpful!

I'll go back to sleep blush

Allergictoironing Mon 25-Sep-17 08:29:18

Mine are with Petplan, they just asked me whether mine had both been neutered/spayed. Females BTW are slightly cheaper to insure than males with most insurance companies.

tabulahrasa Mon 25-Sep-17 08:34:35

They'll not care, they're only wanting to know stuff that'll change the odds of claiming on the insurance.

Breeding isn't ever covered so they'll not need to know.

Northumberlandlass Mon 25-Sep-17 08:39:00

Agreed - insurers usually ask if they are neutered / spayed and if their injections are up to date.

QueenieMum Mon 25-Sep-17 10:32:38

Thanks for your replies everyone. I was concerned as I guess it's not a routine procedure for a cat and it's a fairly major op so thought that insurance companies would treat any future resulting complications as a pre existing, non insurable condition.

Allergictoironing I did notice her quote was cheaper than others I've done recently but thought that was down to her age!

Pink that really made me chuckle!! All replies gratefully received tho!! gringrin

Allergictoironing Mon 25-Sep-17 11:57:26

Apparently it's because male cats are statistically more likely to get into fights & get injured from them, I think that Boycat's is around £5 per month more than Girlcat's.

Then again, indoor only cats are statistically MUCH less likely to be involved in accidents or be injured, but you can't get a discount for that! I guess it's because people will lie & say their cat is indoor only to get reduced premiums, then say it escaped if it does have an outdoors injury.

QueenieMum Mon 25-Sep-17 12:25:15

If my last cat was anything to go by then males are MUCH more likely to get into fights! I've never had a female cat, are there any noticeable behavioural differences between the sexes?

Allergictoironing Mon 25-Sep-17 14:23:31

You can't judge by mine! Girlcat is quite intelligent, reasonably adventurous, energetic and agile. Boycat is clumsy, terrified of almost everything, sleeps around 20 hours in every 24 and thick as shit. When they fight (for entertainment, not serious) Girlcat ALWAYS wins. The closest Boycat gets to aggressive is shouldering her out of the way if there's Dreamies on offer.

Note that he is around 50% bigger than her.

QueenieMum Mon 25-Sep-17 15:14:34

Sounds like the humans in my house Allergic! grin

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