Cat insurance who to go with?

[Hippopotas]

Sweep has 4 weeks free cover with the RSPCA where I adopted her from but she needs cover from 11th Sep and I am so confused by all the companies so thought I would ask for recommendations.

I am looking for yearly cover rather than per condition cover and just want a reputable company that’s easy to deal with.

Any help would be much appreciated.

P.s. here is another picture of Sweep for your appreciation.

Pet Plan

That's who we will go with with future cats. It took over 6 months to get paid out with the company were with now and with PP apparently the vet's claim directly.

Omg random apostrophe and **we're not were

Do you really need insurance?
We have never taken it out for our cats. We have enough set aside for any emergency treatment that may be needed.....

[Like the time our DS, 25, was looking after our two cats when we were away and had to administer 3 doses of medicine to one who was temporarily ill. He gave the wrong doses and the cat had to be taken as an emergency to the vet and be monitored overnight... ]

@IamMaz

Do you really need insurance? We have never taken it out for our cats. We have enough set aside for any emergency treatment that may be needed.....

[Like the time our DS, 25, was looking after our two cats when we were away and had to administer 3 doses of medicine to one who was temporarily ill. He gave the wrong doses and the cat had to be taken as an emergency to the vet and be monitored overnight... ]

I think it’s the safest most sensible option.

Bought by Many is good

Oh I do love a black-and-white!

We use John Lewis which was easy to set up and seems competitively priced with different levels of cover. My vet said insurance is most important when they’re young and likely to have accidents, and then as they get older - although if you skip years in the middle you risk not being covered for conditions they develop as they grow up.

Pet Plan and Bought by Many above are supposed to be great but we’ve had a very good experience (so far - just about to put a claim in for emergency conjunctivitis appointment) with Animal Friends. Have had to claim for two elderly cats and all straightforward.

@IamMaz

Do you really need insurance? We have never taken it out for our cats. We have enough set aside for any emergency treatment that may be needed.....

[Like the time our DS, 25, was looking after our two cats when we were away and had to administer 3 doses of medicine to one who was temporarily ill. He gave the wrong doses and the cat had to be taken as an emergency to the vet and be monitored overnight... ]

Some treatments and medications can cost thousands. It is very sensible to have insurance. Not many people can just lay their hands on 2-3k in the event of an emergency.

Bought by many is who we have used.

Just an FYI OP most insurance policies say you can't claim for the first 14 days of the policies starting so it might be wise to start the insurance a bit sooner so you have an overlap or else if he was taken ill you still have cover in place.

We’ve always used PetPlan. They aren’t the cheapest, but the cover was excellent, they offer different levels.
When one of our cats needed an operation, lifelong meds and monitoring, they were easy to deal with as the vet claimed direct and PetPlan didn’t fuss about the claim.
They were also compassionate when another cat needed to be euthanised.

Do you really need insurance?
We have never taken it out for our cats. We have enough set aside for any emergency treatment that may be needed.....

Our first claim within the first 6 weeks of having our cat was £4k, I'm very glad we had insurance! The next claim was £1k . Not for anything major either, nasty UTI that needed a drip and some tests and a day's stay at the vet, antibiotics etc.

Just a warning about PetPlan. They've recently started tightening up procedures and kicking back claims all over the place. Friends who've had long term cover - going back many years - are very unhappy. It is possible that vets have been hiking the costs of treatment knowing PetPlan would just pay out no questions asked, and petPlan have just begun to wake up and smell the coffee. Owners are slightly caught in the middle. The costs of veterinary treatment in France - where there is no culture of animal insurance - is far far cheaper. Rabies vaccination for dogs for example, including 45 minute consultation, and tapeworm treatment was 3o euros recently.

We are with Admiral and they have been great.

I did lots of research on this recently and have ended up with Sainsburys which gives you double nectar points on all your shopping.

I have owned cats for forty years and never paid an insurance premium. Apart from routine immunisations, I have spent a grand total of £400 on vet treatment. I think at an average £10 per year, I’m up on the deal.

@Babdoc

I have owned cats for forty years and never paid an insurance premium. Apart from routine immunisations, I have spent a grand total of £400 on vet treatment. I think at an average £10 per year, I’m up on the deal.

And one illness or accident could then cost thousands in one go!

I've never had a house fire but I insure against it incase it happens! That'd what insurance is for, for the stuff that might or may never happen.

A lot of people can't suddenly lay their hands on thousands of pounds for treatment for their pets. Insurance is a sensible option.

Sainsburys? Or whatever insurance company is behind their policy.
Had no problems with getting money back/paid straight to vet for last Dcat who had multiple health issues.
You need the type that doesn't limit how much it will pay per condition (or at least has a high limit). Is this called maximum benefit?

And yes, you really do need pet insurance pps. A heart problem could cost you thousands. You can get cat cardiologists, they are not cheap .

Pet Plan

Petplan without a doubt, they paid just over £3,000 today ( took 2 days too pay the whole claim) for my dogs op at a referral centre.

I use animal friends and have claimed several times without problems