Cat insurance

[nameychange]

Hi

We’ve adopted an 8 year old house cat. He came with a months insurance and now we’re looking at getting cover for him.

What I’m confused about is if we go with lifetime cover on the insurance does that mean I’m stuck with the same company and then they can put the premiums up regardless each year if he were to then get an ongoing illness.

He’s not going outside at all.

Do we need insurance or should we just bank the money we spend on insurance just in case?

Yes, you need insurance. Unless you can get thousands of pounds very quickly. My cats are indoor cats and have run up bills of £20k!

How?

We were thinking of just getting the care plan with the vets but if £20k bill is likely then insurance sounds good!

I would say you need insurance I ha e 2cats 4 and 5 years old I've always had insurance never had to use it yet but I like the security. I think a lifetime policy means they will insure your pet for life some places wont insure older cats but you can always shop around. That's my understanding i might be totally wrong

You need insurance.

Mine racked up a bill of over 2k between them in a month once - no way could I have come up with that kind of money! Most vets won't allow you to have a payment plan either so you need the entire amount upfront.

Just go with pet plan.

Yes, I’m with Petplan too. They’re not the cheapest, but they pay up quickly without any quibble, at least in my experience.

Tesco are very good.

Echoing the need for insurance. We never used it for our previous cat so, when we got our new cat we figured we would just put money by each month equivalent to what the insurance would cost. Fast forward 5 short months and he was at the vets and a bill of £910 swiftly followed! We now have insurance and although we won't be covered if he exhibits the same symptoms, we are pretty sure it was a one off. We went with Tesco as the also had good reviews.

Yes go with lifetime cover. You can switch providers but once cat reaches 10ish you might not be able to start lifetime cover with a new insurer but can continue with existing.
I would recommend putting a small sum aside each month as a "just in case"
The monthly premiums are higher than some but from my own experience I like Petplan. They are efficient and a lot of vets will claim directly so you just pay the excess to the vet.
It is worth putting a small sum aside "just in case" so an out of hours visit to another vets where you need to pay up front/some dental work.
Is there a reason he's indoor only which may affect any claims/ability to get cover? Indoor only should make the premium cost lower.

Definitely get insurance and lifetime cover. My cat needed radio iodine treatment for hyperthyroidism and the insurance paid about £5000.