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Vet Fees.....

Richierea Avatar
9y, 1m agoPosted 9 years, 1 month ago
I'm looking at renewing my cats insurance policy, and was just wondering if any of you have had expensive vet fees in the past ?

Basically, does £1000 per year sound like enough cover. I know it's impossible to predict what it might cost, but just wanted an idea of what people have had to pay in the past. I know vets are not cheap, but never had to pay for anything that wasn't routine so far.

My current policy covers £3000 a year, but I can almost halve the premium if £1000 sounded good enough cover.

Anybody any experience of costs ??
Richierea Avatar
9y, 1m agoPosted 9 years, 1 month ago
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#1
Most expensive thing I have had to pay for is teeth removal.One of my moggies had 9 teeth extracted at a cost of £120.(about 3 years ago,I think)

I do not have pet insurance,personally I think it is expensive.If you were to put the money into a savings account or ISA,it would accrue interest and there would be a nice lump sum should you need it for vet bills.:)
#2
sounds like the cat gets looked after better than I look after myself.
Hard to say really,personally not had any huge vet bills cos I only had small pets with general things, but I hear it can run into £100's if you cat knocked down for eg and you want them to try and save it etc,you know call out fees,out of hrs fees its all mounts up.Just going on what I heard people say who had pets and talked of vet bills,by cutting it by halve to 1k its a chance u take.
[mod]#3
My cat had bladder stones that were so big he had to have all his bits removed :shock:

Was on a kitty life support for 2 weeks. The bill when we got him home was just over £5400 and he also has ongoing medication.

Luckily we're with Pet Plan and they covered the lot and continue to do so for the life of the policy. Thankfully if this wasn't the case then we would have just paid anyway but if you don't have the income to support this then unfortunately it would mean putting the cat down. :-(
#4
Syzable
My cat had bladder stones that were so big he had to have all his bits removed :shock:

Was on a kitty life support for 2 weeks. The bill when we got him home was just over £5400 and he also has ongoing medication.

Luckily we're with Pet Plan and they covered the lot and continue to do so for the life of the policy. Thankfully if this wasn't the case then we would have just paid anyway but if you don't have the income to support this then unfortunately it would mean putting the cat down. :-(



!!! Damn thats more than your wedding costs isn't it?
[mod]#5
Mum2Connor&Cerys
!!! Damn thats more than your wedding costs isn't it?


Don't go there. :oops: That cost 3 times more. :cry: :giggle:
#6
Syzable
Don't go there. :oops: That cost 3 times more. :cry: :giggle:



lol
#7
I have 4 cats -but don''t have insurance - i put so much away every week and have been lucky with bills so far -just paid £75 for 2 teeth out on one cat recently , £125 for a lump removed and a tooth out about 6 months ago on another one.
Dearest really up to now- but you have to think about road accidents too . I am lucky as i don't live near any busy roads and only one of the cats leaves the garden , the other 3 stay in the back garden all the time -its a big garden so lucky there too. Vet prices also depend on the area i think too.
Think i would have the £3000 if you are taking one out -better to be on the safe side.
#8
£4,000 the other year on back half of the cat. (he got ran over). Petplan covered it all minus the £60 excess.

I always like to go for policies that have no limits. Sure it might cost more on your payments, but if something big happens it can be a life saver. Cat got no expense spared treatment, if I'd only had cover upto a certain cost I'd have struggle finding the money unless I went to my parents or something which isn't always an option for some people.
#9
My mums cat got run over and initially the vet said he would have to remove one leg and his tail but my parents didnt want a 3 legged tail-less cat so went to a different vet recommended by our usual one and he had several operations and x-rays - the bill is over £3000 and they didnt have insurance. I think they were daft to pay it to be honest and so do they now theyve had time to think about it. Cat gets told frequently by me that hes lucky they spent it on him as i wouldnt have done but hes a grumpy so and so and bites mum often. doesnt try it with me even when i cut his claws or give him tablets! He knows Im a superior being!!! LOL

Have to say i havent had any major problems with any of my cats over many years and havent got pet insurance. (touch wood that im not jinxing it!!!)
#10
i had cat insurance and thought it was a waste of money so i cancelled it. 1 week later my cat come in with a huge tear in his front paw. he had caught himself on something (we still dont know what) and i tore all his muscle. we rushed him to the vet (it was a sunday night so it was more expensive)_, they stitched him up and kept him in overnight. we were charged £380. could not believe it! gutted that for the sake of £5 per month i cancelled it! now we have 2 cats and have them both insured. at the minute churchill are giving £40 per policy! definatly worth it in my op!
#11
We had a very costly experience with our dog - a leaky saliva gland ran up a bill in the thousands, and that was 6 years ago - so I dread to think how much it'd cost now. Anyway, straight after that, I got him insured.

To be honest, if you'd cry if you had to have the cat put down, then keep on with the insurance, and I'd stick with 3k of cover at least. It's just not worth the guilt if anything happened...

If it helps, my policy just went up to £43 a month ... I used moneyspuermarket and got a policy that's just as good from a company called E&L for £13 a month.

http://www.eandl.co.uk/
http://www.moneysupermarket.com/petinsurance/

HTH
Melissa
#12
Richierea
I'm looking at renewing my cats insurance policy, and was just wondering if any of you have had expensive vet fees in the past ?

Basically, does £1000 per year sound like enough cover. I know it's impossible to predict what it might cost, but just wanted an idea of what people have had to pay in the past. I know vets are not cheap, but never had to pay for anything that wasn't routine so far.

My current policy covers £3000 a year, but I can almost halve the premium if £1000 sounded good enough cover.

Anybody any experience of costs ??


We got a cat last year, was a stray someone was kinda feeding and we took it in, is a bloody lovely little cat 3 years old and all was well.

The Mrs wanted to get Pet insurance, but me knowing better told her it was a waste of money.

However she went ahead and got full cover with Marks & Spencer pet insurance for £4.99/month

Fair enough but we wont need it.

cue 2 months late and the cat has some sort of fit/seizure at the bottom of the stairs, legs spasm's, drool pooring from her mouth... you get the idea.

Drive to the vets and get the cat checked out (4 night stay in the hospital £200+) and they find out she has a genetic heart defect which is eventually going to kill her, but not yet and they can treat the symptoms with tablets, drips etc.

This was 6 months ago and since then she has been back and forward to the animal hospital, numerous over night stays, tons of medication etc etc all totalling in excess of £5,000 (so far) and she is still doing well (hoorah!)

M&S have been bloody fantastic and have paid every claim without a problem, they have paid directly to the vet so we are not having to hand over any money.

Our policy lapsed at some point too and in between it lapsing and us realising the cat had had a further £1500 of work done. Cue frantic call to M&S who told me the monthly cost was going up to £7.99/month, but as long as I paid the £16 for the 2 months it had lapsed, then they would gladly pay the fee's.

I cannot recommend them enough, brilliant customer service, excellent price. A winner all round.

Thank god for the missus not listening to me :)

Edit: forgot to say we have £0 excess too with M&S
#13
The RSPCA's gold cover covers up to £7000 in vet bills and costs about £70 a year and you can pay monthly by direct debit. (Interest Free). A proportion of the money also goes to help the RSPCA.

They also do a Silver plan thats a bit cheaper, btu doesn't offer as much cover.

Hope this helps

Chris

P.S. This thread made me quickly order pet insurance for my cat! (I didn't realize that it was this cheap)
#14
wow, m&s sound great!!!
#15
hocka
at the minute churchill are giving £40 per policy! definatly worth it in my op!


Many thanks to all of your for the replies, very helpful!!!

Looks like i'll keep to £3000 minimum cover, but will check out some of the other mentioned comapnies and get some quotes.

Just one point on that Churchill policy, the £40 Quidco caught my attention, and the price quoted was pretty good, but then I read through the policy document (must do that more often!) and read that if your cat is over 7 years old, you pay the £55 excess and 20% of the vets bill. Now that somewhat put me off!!! (my cat is 8 years old)

Thanks once again, off to get some quotes.....
#16
Yes, make sure you read them -thats another reason i opted out -mine are 14, 10, 9, and 7. One has ongoing Asthma and a couple of other things , so his would have been high too !
#17
Well just gone for a new policy, switched to RSPCA for exactly the same premium, but with £6000 cover instead of £3000 and £15 cashback, if that gets paid....

Thanks to all again :thumbsup:
#18
Richierea
Many thanks to all of your for the replies, very helpful!!!

Looks like i'll keep to £3000 minimum cover, but will check out some of the other mentioned comapnies and get some quotes.

Just one point on that Churchill policy, the £40 Quidco caught my attention, and the price quoted was pretty good, but then I read through the policy document (must do that more often!) and read that if your cat is over 7 years old, you pay the £55 excess and 20% of the vets bill. Now that somewhat put me off!!! (my cat is 8 years old)

Thanks once again, off to get some quotes.....


thanks for pointing that out to me, manybe i will cancel mine or wait til next year and renew with someone else!
#19
is the rspa decent priced?
#20
hocka
is the rspa decent priced?


I tried about 5 quotes, all were comming out within a few pounds of each other. The only one that saved much was Halifax, but as stated that only gave £1000 cover.

I went for RSPCA as the price was as good as the others, £6000 cover and possible £15 cashback.

Before all the comments on here, I thought £3000 cover was plenty, but maybe not after some of the responses here!

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