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Cat insurance question

5 replies

Cobblesofstyle · Yesterday 17:54

Dcat has been insured for years with Pet Plan. We've never claimed, and she has had no conditions/ illnesses/ concerns so far (fingers crossed she stays lucky). Her policy was a lifetime one but it has started going up exponentially year on year. This might be a daft question but when this current policy ends, can I basically re-set and start a "new" lifetime policy (either with Pet Plan or a new provider) to bring the cost down?

It feels like I'm paying over the odds for existing conditions to be covered, and there aren't any! Any recommendations for good cat policy providers would also be welcome 💐

OP posts:
TheCoty · Yesterday 17:55

It depends how old the cat is. You can't take out a policy once they are over a certain age.

SabrinaThwaite · Yesterday 18:02

I dropped down from the Lifetime cover to the more limited one once our cat hit 16 - I figured at this age I’m not going to put her through any expensive life prolonging treatments (which is presumably why the premiums climb). She’s now an indoor cat (her choice) so no risk of traffic accidents. PetPlan still paid out for a dental with no issues too.

Cobblesofstyle · Yesterday 18:19

TheCoty · Yesterday 17:55

It depends how old the cat is. You can't take out a policy once they are over a certain age.

She's 10

OP posts:
Cobblesofstyle · Yesterday 18:20

SabrinaThwaite · Yesterday 18:02

I dropped down from the Lifetime cover to the more limited one once our cat hit 16 - I figured at this age I’m not going to put her through any expensive life prolonging treatments (which is presumably why the premiums climb). She’s now an indoor cat (her choice) so no risk of traffic accidents. PetPlan still paid out for a dental with no issues too.

Yes good shout, I can see me doing this when she's a bit older

OP posts:
SabrinaThwaite · Yesterday 18:22

How much is your premium?

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