Any pet I’ve ever owned has been lucky to only ever need ‘routine’ vet care (annual check-ups, worming, vaccinations etc) and we haven’t had pet insurance.
A year ago our cat had some kind of respiratory infection and the vet fees very quickly got to c£500. There was never any official diagnosis and we just tried different meds til something worked / she got better by herself and has been fine ever since. Of course we have always paid separately for annual check-ups / routine medication, plus any teeth cleaning etc as recommended.
After that we set up a policy and chose “pre existing conditions” cover in case she got a similar illness again. The renewal has just come through for £25p/m (was £20p/m) and I’m unsure if she needs this level of cover, as in does she actually have a pre-existing condition?
She’s 100% an indoor cat so not exposed to disease from other cats / at all likely to get run over. Would we be able to get ‘basic’ cover having already had this higher level insurance for a year?
Thanks in advance for any advice!