Lifetime insurance for the moggy now hitting £30 a month, time to downgrade?

[KetchupOnRoastDinner]

I’ve got an indoor rescue moggy, somewhere between 11 and 14 years old, with no preexisting conditions.

I went with Petplan Lifetime when we first got her, but next year’s renewal has just landed at £360 and considering the only claim we’ve had to make for her in 6 years was for a self inflicted UTI, I’m wondering if a less comprehensive policy would be better, or if the self insuring route might be even better (we have savings)?

I’d be interested to hear how other people handle insurance. I think as an indoor cat she’s most at risk of developing problems associated with older cats, no risk of accidents or infection?

I actually went with Petplan because of recommendations from this forum about how easy and inclusive their claims process was, but maybe there are other good providers?

Don't downgrade it. We did this and 2 months later our mog got Pancreatitis. She had loads of investigations including weekend stays at the vets and ended up having to be tube fed. It cost £2.5k at the vets and cost us £500. If we had left the insurance as it was the excess would have been £100. We cant upgrade it now or claim for that condition if it reoccurs

Don’t downgrade. I always resented paying the huge monthly costs for my old cat who was pts after developing liver failure suddenly aged 15. The insurance meant I could agree to all the treatment and hospital care that could possibly have turned things around, around £3000 worth and made the decision to have him euthanised much easier. Also let me know I could afford euthanasia at home and cremation as so much of the other costs were covered.