Pre existing conditions Insurance for kitten?

[MadCatEnthusiast]

I'm now thinking of having insurance for my kitten. I didn't get it when I got her originally because we were relying on Blue Cross and we couldn't really afford it and it was all a bit overwhelming. However, now I think it's worth getting cat insurance. However, I am not sure if many will accept her as she's already been a bit ill.

At 9wks: she's had constipation as she was adjusting to new environment
At 16 weeks, she got stuck somewhere and she needed to stay in the oxygen tank for a night
and now at 10 months, she's had a bacterial conjunctivitis

Now most don't cover pre existing conditions but do these count? I mean I could take her to Blue Cross every time she has one of these scenarios however, I don't know if I could always rely on that if I stop receiving benefits/move out of their catchment areas

Any advice? Do I have any opportunity to haggle with insurance providers?

I do have money stashed away in the thousands in the case Blue Cross couldn't help her but that's just too risky, I really would just prefer insurance

My cats have had £16,000 of claims. Definitely get insurance. Just be aware that you probably won't be able to claim for those conditions. But since you have to pay excess it's not always worth claiming for every vets visit.

Yeah, I definitely need insurance. I can definitely imagine mine needing it especially in the warmer months where she just wants to get out. She already managed to get into mischief at 4 months old!

I've found Bought By Many that accepts pre-existing conditions and pays out £500 for first year, £1000 for second year and £7000 for the pre-existing conditions. That sounds alright. New conditions are also 'up to' £7000 from the start.

I do see other providers that have a bigger limit I really don't know how much vet bills can be. Seeing as yours have had double the amount and more so I imagine they do cost quite a bit

Many providers will still provide insurance at normal prices, but just won't pay out for that condition or related conditions.
Tbh, you might be able to get away with the constipation in such a new kitten in a new environment. And the oxygen tank was related to an "accident" rather than an illness, sort of.
Not an expert at all, but from colleagues at our veterinary clinic it seems many insurers are happy with a written note from a vet stating that a condition is not related if there's leeway/uncertainty. (Provided the vet really is certain the current condition is unrelated to the pre-existing on, e.g. with your kittens constipation if she has any future tummy troubles).

I'd say for average vet bills, you'd generally be looking at hundreds for a mild-ish illness, 2-5,000 for simple-medium operations, small accidents or a short hospital stay, and potentially £10,000+ for major ops, cancer, multiple or long-term hospital stays and long-term illnesses. (Though the better policies give you a "fresh" limit each year).

Whichever policy you go for, check the fine print for exclusions and excess, and I'd really strongly recommend a lifetime policy.

Mine are insured for £7k each per year - I kind of feel that a bilĺ which comes to more than that will either (Hopefully!) be unlikely, or we'd be looking at either major illness or damage, or a cat approaching end of life. (So there would be quality of life considerations too).