I'm hoping for some advice about insurance for my 5 month old moggy girls. No obvious health issues. They've been spayed and chipped and we're just starting to let them out into the garden, which backs onto a load of other gardens. We live on the edge of a city, surrounded by reasonably quiet residential streets (for risk assessment context).
We got 4 weeks free with PetPlan when we took them to the vet for the first time. When that expired I didn't renew because I got a bit flummoxed by all the options and put it off. Now they're beginning to go out I've been looking again and I'm feeling even more confused.
I thought I'd narrowed it down to Sainsburys (£23 per month for £5k lifetime), but then I saw some bad reviews and now I'm wondering if it's worth shelling out the extra tenner a month and just going for PetPlan...
What do you think? Go for a 'budget' option and hope they don't quibble paying out, or ramp the premiums up as soon as I claim? Or go with the expensive option right from the start?
Alternatively, is the level of cover I'm looking at over the top? Should I just put some money aside each month and hope for the best? It seems like once they get to a certain age the excess goes up so much it's hardly worth it anyway?