Pet Insurance (Cat) - Any recommendations?

[postman15]

Dear all,

Is it beneficial to go for a Pet insurance(Cat) covering dental treament through the my bundle or just do a compare market and select an insurance provider?
Any experience related to this matter?


Cheers

[Smoothbackground]

Does your Jess have any pre-existing dental conditions? Many insurers will not cover them if so. From personal experience, I have had a good experience with PetPlan offer, who offer generous levels of cover, including cover for certain pre-existing (and declared) conditions, — but you obviously pay more by way of premium for this. Bear in mind the acid test of how good an insurer is (or isn’t) is how they deal with claims. Try to choose an insurer that displays a Defaqto rating.

[postman15]

No issues so far. Its the Vet recommended to get an insuance(Pet Plan). This is a purely an indoor cat. Very healthy so far. Regular vet visits. Vaccination is up-to-date.
Gocompare has listed few insurance providers much cheaper than the petplan. ASDA covers -> Vet fee per condition limit £6,000
and Vet fee annual policy limit £6,000 inc Dental cover for accidents & illness for £14.70 per month which is much cheaper than the Petplan's £25+ cover.
DO you think choosing Petplan is sensible?

Thanks

[Vintagesixtysix]

As previously mentioned above.
The test of a good insurer is when things go wrong and this is where I can testify for pet plan.
One of our mogs died unexpectedly from an undiagnosed heart condition one Boxing Day.
Vet worked with Pet Plan and we recovered all our fees plus the small death insurance and all was handled very sensitively and in a timely manner….absolutely no wrangling whatsoever just had to take off our policy excess.
Of course they are more expensive than most and our eight year-old we now pay £40 a month for lifetime cover. I expect this to continue rising as the fees for emergency treatment have become absolutely eye watering expensive hence the government recommending an investigation into this marketplace.
Bit of a classic but….pays your money and takes your choice.
Good luck.

[postman15]

Thanks for your detailed explanation. Does the insurer pay directly to the Vet? I assume only the excess amount to be paid by us.
Paying a bit more worth more than the hassle of claiming back from a lesser known "cheaper" insurer. Thanks again for your valuable input.

[Vintagesixtysix]

You’re welcome….hope helps.
Had experience of both….. in the example above, the vet was very clear on the three steps he was going to try to see if there was any chance of reversing what was happening…. Sadly we never got to step three as the vet was 100% sure the little blighter was past saving due to a severe collapse after monitoring his heart.
We didn’t have to pay a penny there and then due to insurance.
Just the excess later.
Several years ago another one of our cats got into a bit of a night time scrap and was bitten on the back of the leg.
All treated and recovered well…. Cost back then was £400 ish including meds….. I would expect that to be closer to £1k now.
I think we were offered physio as well…. Didn’t take it up as we thought…. Good luck there. Lol.