I think whatever company you go with premiums for older cats are astronomical compared to younger ones - that's not just an oddity with Axa - obviously older cats cost them more so it's all about risk, they are in the business of making money after all
![Shy :shy:](https://www.purrsinourhearts.co.uk/Smileys/purrs smilies/shy.gif)
I've been with them five years now and overall would recommend them. I've had a fair few claims with Riley (ironically the biggest, strongest one as Lu is definitely the r u n t of the litter but don't tell him I said so!
![Luv 2 :Luv2:](https://www.purrsinourhearts.co.uk/Smileys/purrs smilies/catwub.gif)
) and it hasn't affected the premiums up until now - fingers crossed it stays that way! They are sometimes slow to pay out but the last claim came through very quickly if I remember rightly.
Either way they are the best price for what is very good cover and I am now in the position that I'm stuck with them come what may as I have claimed for both boys over the years so would be classed as pre-existing conditions if I went elsewhere. Just out of interest PetPlan quoted £13.71 per cat for the same cover as Axa's £8.69 (7k per year, covered for life).
Edit: Just remembered my last claim was for a grass swallowing incident resulting in Riley collapsing and struggling to breathe and me rushing him to vets now on a Sunday... £250 for him to chuck up the grass blade as we walk through the surgery doors
That was defo last year and I didn't claim for Lu at all last year so I wonder if there is a threshold for next years premiums to rise as a result of claims. My renewals were April 2013 which post-dates Rosella's experience and like I say both premiums went up by the same amount (pennies) despite having claimed for Riley and not Lu
![Shifty :shify:](https://www.purrsinourhearts.co.uk/Smileys/purrs smilies/shifty.gif)