Kitten insurance - HotUKDeals
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Kitten insurance

Redking Avatar
8y, 4m agoPosted 8 years, 4 months ago
I recently got a kitten for my girlfriend. Shes made up with but is paranoid its going to get ill etc and im sure it will make a few visits to the vets

Bearing this in mind in mind I decided to look into getting some pet insurance for it.

Having searched through the previous posts on here I see that M & S insurance is recommened plus there is £18 cashback on Quidco.

The only thing is I dont have a clue what to look for in a pet insurance policy - things like excess etc! Can anybody give me some tips as to what to get - e.g. if we take the kitten to the vet because we think its sick, the vet sees it and says theres nothing wrong with it and then charges us £100 for the time can we claim this on the insurance?

thanks
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Redking Avatar
8y, 4m agoPosted 8 years, 4 months ago
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#1
If the vet charges you £100 for just a check up.....you've gone to the wrong vet. Just make sure you get all the jabs done or your insurance will be invalidand it's also worthwhile getting it chipped!!! The veterinary nurse will sometimes look over them for a minimal charge if you do get worried. With operations and even x-rays costing loads paying an excess of £50 seems reasonable.

good luck x
banned#2
Try looking on the pet insurance section on [url]www.moneysupermarket.com[/url] they break down the individual sections for you, like they do on their car insurance so, you can see what cover you are getting with your insurance.
#3
argos is good can recommend them

http://www.argos.co.uk/webapp/wcs/stores/servlet/ArgosFSPetInsuranceHomeView?storeId=10001&jspStoreDir=argos&searchTerms=PET+INSURANCE&Submit=GO+%3E&catalogId=1500001001&langId=-1&ddkey=Search


different levels of cover, would recommend you have a high one with a kitten as they do have quite a few vet bills when young! plus it's not so high premium when they get older if you stay with them
#4
kate50dadford
argos is good can recommend them

http://www.argos.co.uk/webapp/wcs/stores/servlet/ArgosFSPetInsuranceHomeView?storeId=10001&jspStoreDir=argos&searchTerms=PET+INSURANCE&Submit=GO+%3E&catalogId=1500001001&langId=-1&ddkey=Search


different levels of cover, would recommend you have a high one with a kitten as they do have quite a few vet bills when young! plus it's not so high premium when they get older if you stay with them


And dont forgetr £20 quidco!!
#5
Get a quote, open a bank account, or an ISA if you haven't got one, and create a standing order for that amount every month. If something goes wrong, which it probably won't, you've got money saved up. If it doesn't, you've got money saved up. Makes sense! Don't give insurance companies your money unless you have to.
#6
carperkm
Get a quote, open a bank account, or an ISA if you haven't got one, and create a standing order for that amount every month. If something goes wrong, which it probably won't, you've got money saved up. If it doesn't, you've got money saved up. Makes sense! Don't give insurance companies your money unless you have to.


I don't think this is practical with pet insurance, x-rays alone cost in excess of £100 and with pet insurance at less than £5 per month it would take a long time of no illness to save up for the bill. I think vets prices are worked out on people having insurance. Totally agree for lots of other insurance though!
#7
Make sure the insurance covers enough money, take a look at this thread.

http://www.hotukdeals.com/item/213551/feeling-very-upset/

Their bills have come to around £5,000, their insurance only covered them for £500!!!
#8
Exactly! Anyway, £5 a month for just one year would add up to £60, which would make it far more affordable. If you gave your pet all it's jabs and fed it properly, gave it plenty of exercise (or sleep for a cat), which wouldn't be covered by insurance anyway, would you really need to claim on your insurance that often? I don't think so.
#9
The things to look out for with pet insurance:
1) Excess - £50 -> £75 is normal. This is the amount you have to pay before the insurance sets in. Eg cat breaks her leg and needs an operation which costs £700. If your excess is £75, you pay £75 and the insurance company pays £625.
2) How much they cover per illness
3) Whether the slate is cleared per year. For example your cat has diabetes, is the cover £3000 max for the illness or for the illness per year. This is usually the difference between standard cover and max cover. Basically if the illness is covered £3000 fees for your cat's lifetime or £3000 per year for the lifetime of your cat. This can make a huge difference.
4) If you want to travel with a pet passport you should expect to pay more
5) Pedigree animals cost more to insure
6) It will probably be cheaper if you microchip your pet

You must vaccinate your pet and keep this up to date to validate your insurance
You cannot normally insure pets before they are 8 weeks old
You should get a good vet who has been reccommended to you

Vets won't charge you £100 just for a consultation, don't worry.

I have just changed one of my dogs to M&S insurance, they were £65 a year cheaper than direct line and have great reviews. Never had a problem with my dog so far and hope it stays that way!

Oh, and if your pet gets ill and you claim, you are either stuck with that insurance company for life or if you move you will probably get large premiums with exemption clauses for ailments connected to any prior claims with previous companies.

Oh, and it can be cheaper to pay annually rather than monthly when you get charged interest. M&S didn't charge me extra but loads of places do.
#10
Wouldn't it just be cheaper to buy a new one if this one got ill?

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