How much to insure for?

[CrystalQueen87]

We have adopted two beautiful little kittens (pics attached for cuteness overload 😍)
And I'm looking to insure them both and wondering how much cover you all have for your kitties?
Thanks ☺️

Oh well they are just gorgeous! Congratulations on your new family members.

I have to say I have quite basic insurance, it covers £1,000 per condition per year and it’s a lifetime policy. I’m sure it’s nowhere near enough cover, but it’s what I can afford. It’s with animal friends.

As much as you can afford! My late cats ran up bills of £25k. Some episodes were £5000 a time. Latest arrival has already cost me £1000 and that's for stuff insurance won't cover 🙀

I have my girls insured for up to £15K per year each. That's based on the claims and bills I regularly see. Our most common claim is hyperthyroidism if we diagnose and refer pretty quickly for radioactive iodine it tends to come on about £5-6k.

As much as you can afford to pay for on a lifetime policy. Ours are insured for 10k each with Tesco. The dog is covered for up to 15k on a similar policy.

Our oldest has just been diagnosed with arthritis and they've paid for an emergency vet visit, painkillers, two follow up appointments, blood tests and now we claim for prescription Metacam every month. He has to have check-ups and blood tests twice a year now - all covered by insurance.

I'm a dog, not a cat person (tank you, allergies!) but yours are so adorable!

As others have said, and with any pet insurance, get lifetime cover for as much as you can afford to pay.

*thank!

Get as much as you can comfortably affor. We have 10k on a lifetime policy with Admiral who we used before and paid out direct to vet without a fuss. It's £12 per month but cat is still young. From experience the premiums rise quite sharply from about age 8.

We also pay £18 per month for Pet Health Club through the vet that covers vaccinations, prescribed worm & flea treatment, 6 monthly check ups and a discount off dental - most insurance won't cover dental. Current cat has a murmur so we need to get her checked regularly so it's well worth it.

15000 with Many Pets - Finlay’s recent accident and resultant surgery has cost around 8000 so far and we’ve only had him for 3 months!

We are just learning the hard way about under-insuring. We took out Petplan insurance for the cat that moved in with us last summer (she adopted us). We thought a £4k limit and a lifetime policy would be fine for a young, active moggy given a clean bill of health by the vet. Yesterday she broke her hip (we think she must have fallen from a height) and is being operated on today. Our vet has estimated £6k-£8k all-in (we are in London). Fortunately we can afford to pay the difference, but it is pretty sobering and will mean she will be effectively uninsured until the plan renews in the autumn. We are worried about her and we are really cross with ourselves for being so naive.

Don’t make the mistake we did. Go for as much cover as you can afford/justify.

We also do petplan via our vet which covers annual vaccinations, flea and worming treatment - free check ups and a discount on all other services, medications and some foods - it’s about £18 a month

Finlay was broken pelvis which needed plate and pins plus fractured vertebra