20% insurance contribution to cat over a years

[Igotthegoose]

I’ve just had a quote from Tesco for lifetime cover for our cat who is 7.

In the policy it states that when my cat turns 8 it will be a 20% excess contribution which I didn’t think would be the case. Is this the usual situation for other providers too? I dread to get a 20% bill off a procedure that costs thousands!

we have two kittens and a 7 year old, got quoted around 40 per month which is fine for the level of cover we wanted. But now I’m wondering whether it would be ideal to have a separate insurance plan altogether for our older cat.

thoughts and experiences? It is a minefield!

Title typo, *over 8 years!

That's odd. I'm with Tesco and the reason I'm still with them, is Because they don't do
That. They were very good when I said I was cancelling as my monthly premium had gone up to
£167 (huge claims) they did me a discount. And reduced by more when I increased the excess.

I think this is a new thing-I tried to take out a new policy with Tesco last week for my cat. The price seemed reasonable until I got to the last page when it said the premium included an optional 20% of the treatment cost, which became compulsory when the cat reached 8, plus another 20% voluntary payment. You could reduce or remove both of these, but then the monthly premium shot way up!

We had a different insurance, but the idea was the same. They would compensate only a certain amount of claim as the cat grew older. He died when he was 20 and by that time it became a rip off, but we were dreading he'd fell sick and we'd end up paying out of our pocket. We tried different insurances but to be honest once they get old, it's going to be expensive.