Cat insurance advice

[LavenderLxx]

Our kitten is 6 months old - fully vacinated and neutured.
He's still indoor at the moment but we'll start going in the garden with him in the spring.

I'm just looking at insurance for him but don't know where to start?!!
How much cover do I need? He's our first pet so I don't have any idea how much vet bills tend to cost! I'm assuming lifetime cover is best?

Any advice would be much appreciated.
Any companies to avoid? Which are better?
Thank you!

Lifetime cover and the best policy you can afford.

However, if he's already been at the vets for anything other than vaccinations and neutering then those issues won't be covered going forward.

Get a lifetime policy. My indoor cats have run up bills of 28k between them! Tesco have been brilliant.

Hes only been to the vets for vaccines, microchipping and to be neutered

The most common claims are for long term medical conditions so as others have said life time cover the most you can afford - I would say not less than £7K.

Check out the free Which article on pet insurance, t explains all the difference variations and gives best buys.

https://www.which.co.uk/money/insurance/pet-insurance/pet-insurer-reviews/best-and-worst-pet-insurance-adlAD3Y24cYN

We've got PetPlan for our two and it costs a great whack of money each month, but here's the thing. . .you start off with a little kitten or young cat in rude good health, bouncing all over the place and before you know it - in less time than it takes for a baby to go from Pampers to secondary school, you've got a senior citizen cat with all the potential problems that implies. One of our cats had a systemic virus that filled his mouth with ulcers. Another had hyperthyroidism, a chronic bacterial infection and her kidneys were going into failure. You can imagine how expensive it all gets, especially if your cat needs long term treatment. And of course, youngsters aren't invulnerable. There are cars, dogs, poisons and other things that can fell the most resilient young cat. Seeing your cat incapacitated and in pain is dreadful; knowing you've got a decent insurance policy at your back makes life a little easier at a stressful time.

I'm with ManyPets for my 2. Lifetime cover for £15k each i think.

We have four cats, two insured with PetPlan and two with Agria. Both companies been great at paying claims over the years, although I find the Agria process a bit easier. We have lifetime insurance and I think it's £6.5k per condition per year.

We’re with Petplan, they’ve been brilliant and it’s super easy to claim.

Petplan, lifetime insurance. Indoor only cats but in the last 6 months of Boycat's life the payout was in the region of 2 year's insurance for the both of them. Tobias so far has cost me around a grand since October, with another few hundred coming up next week for scanning & more bloods etc, and no end in sight to diagnose his current issues. While investigating his stomach issues, discovered he has FIV (cat AIDS).

One of DSis's previous cats developed epilepsy - big bill every month for meds.

One of DSiL's cats - luxating patella, typical repair bill around £1.5k

And this is all before you feed in injury for outside cats - you start talking around the region of £2.5k for a comparatively simple broken leg, likely more for related injuries, definitely more if a very complex fracture, plus time if they need it in vet hospital.....