Topic: To insure or not? (Read 5731 times)

Millys Mum · « **Reply #22 on:** October 01, 2009, 19:06:03 PM »

Do you live in a posh postcode?

angeleyes · « **Reply #21 on:** October 01, 2009, 19:00:31 PM »

Just got a quote from Axa and they want £19.21 per month! £75 excess. Seems a bit much to me when everyone else is paying less!

Millys Mum · « **Reply #20 on:** October 01, 2009, 18:30:14 PM »

Yes insure and sooner rather than later. Lola has racked up £2500 very quickly, shes been through a specialist for her problems and had she needed surgery it was quoted at 2-3k! I would have found the money for her but its one worry you can do without when your furry is miles away at deaths door, the peace of mind is invaluable. Its then i also realised how quick 6 or 7 grand could be used up

Im with petplan and cant fault their service

clarenmax · « **Reply #19 on:** October 01, 2009, 12:55:21 PM »

I'll have to check my docs now, as Poot's policy is a new one ......... will update later

Tiggy's Mum · « **Reply #18 on:** October 01, 2009, 12:41:18 PM »

I think that's because we have existing policies from a few years back - I just did a dummy quote with Axa and it's defo £75 now.

Gill (sneakiefeline) · « **Reply #17 on:** October 01, 2009, 12:39:27 PM »

Thats strange Helen cos have my renewal docs to hand and the renewal doest start until 23 Oct and its still £50!

Tiggy's Mum · « **Reply #16 on:** October 01, 2009, 12:26:59 PM »

Quote from: Desley (booktigger) on October 01, 2009, 07:58:51 AM

Helen, my AXA documents say a £50 excess, even though my two are seniors - MAbel was insured as a 12yo and they did only take a £50 excess off her claim.

Yep, mine is £50 too but I couldn't be bothered to go upstairs and hunt the documents out when I wrote the post so googled it and it came back as being £75 now.

Leanne · « **Reply #15 on:** October 01, 2009, 11:41:20 AM »

Defiantly insure, mine are with Direct Line, can't move Jess from there as I've already claimed and a new company won't cover his pre existing. Might move Milo over though to Axa.

MrsR · « **Reply #14 on:** October 01, 2009, 11:20:39 AM »

Insure insure insure - Axa here too

ems · « **Reply #13 on:** October 01, 2009, 09:32:23 AM »

Definately insure, we're with Sainsbury's for all of ours and they were fantastic when we claimed recently for Nina's illness then her pts and cremation.

It is frightening how quickly you are in double and triple figures with vet bills. We'd have been stuffed when Nina fell ill recently and also when our dog Gibson had an accident last Christmas and cut his paw open, we were back and forth to the vets for over 2 months and at about £30 each visit it soon mounted up

Have just had my renewal for Kiki and need to get our little lads a policy sorted but will probably look at AXA on others recommendation here.

clarenmax · « **Reply #12 on:** October 01, 2009, 09:21:04 AM »

Definitely insure, and don't delay!!!!

Another Axa convert here, I've just insured my 2 year old boy for £9 a month.

My Bridge boy Max was covered by them as well, and thank goodness he was as his ongoing blood tests and treatments for his kidney and thyroid problems would have cost a fortune!!! They always paid on time, and have always been very good. The excess is usually £50 per year per condition which is fairly average.

Even if I'd built up a savings fund with the £13 a month I was paying for him, there is no way it would have covered the bills, so for me its a no brainer ...... definitely set up the insurance

Rosella moggy · « **Reply #11 on:** October 01, 2009, 08:51:55 AM »

Yes I meant to mention it's still a £50 excess with Axa which is excellent for elderly puds esp altho realise Fifi is only a wee babe

Desley (booktigger) · « **Reply #10 on:** October 01, 2009, 07:58:51 AM »

AXA here - my girls are 19.5 and 16.5yo and the eldest is about £15 a month.

Helen, my AXA documents say a £50 excess, even though my two are seniors - MAbel was insured as a 12yo and they did only take a £50 excess off her claim.

Kay and Penny · « **Reply #9 on:** September 30, 2009, 22:31:29 PM »

me too - 3 with Axa - only rich people can afford to risk huge vet bills

it's not just about knowing you won't have to stump up for treatment either

insurance means you can if necessary be referred on to centres of excellence, where specialist treatment can run into thousands of pounds, and which you couldn't otherwise consider

Den · « **Reply #8 on:** September 30, 2009, 22:14:24 PM »

Would always, always recommend insurance. I would never be without it after claiming for 2 £800 bills. Vet bills can add up at an astonishing rate. Another vote for AXA too. They've been brilliant for me.

angeleyes · « **Reply #7 on:** September 30, 2009, 21:57:35 PM »

Thanks guys i will take a look at AXA

And yes we have been 'got' didn't take long did it!

Tiggy's Mum · « **Reply #6 on:** September 30, 2009, 21:55:40 PM »

Agree with Gill on the Axa recommendation.

The main thing to look out for with pet insurance is that it's true 'life cover', and by that I mean that they will pay out for a condition for the life of your pet, not just for the first 12 months of the condition. Policies that offer X amount per year with the 'pot' reset each and every year are the best type and offer true life cover. Some policies describe themselves as offering 'life cover' but they only offer X amount per condition and what with the technological advances in veterinary medicine you could find your 5k being used up very quickly and then you wouldn't be able to claim for that condition any longer.

As far as I'm aware the companies that offer true life cover (ie X amount per year, each and every year) are:

Axa, Petplan (not the value policy), NFU, HSBC & Halifax.

Axa are the best (imo) for a few reasons - they are underwritten by themselves so no danger of changing underwriters and therefore less chance of the T&C's changing drastically as a result, as happened to M&S a few years back. They have a high level of cover (7k each and every year), they don't charge a % excess for older pets (most insurers charge 15-20% excess for pets over 8 yrs old) just a flat excess of £75. Their premiums are reasonable and so far *touch wood* the increases at renewal time are minimal.

Mark · « **Reply #5 on:** September 30, 2009, 21:55:32 PM »

Insure - definitely!

I have never needed to claim but it is reassuring that most things are covered. It is surprising how many people sadly have to lose their pets due to lack of funds. As Gill says, Axa offer really good cover for a reasonable price. A young cat can be covered for under £10 a month.

Rosella moggy · « **Reply #4 on:** September 30, 2009, 21:50:46 PM »

Agree with Gill i.e. yes, asap and have a look at Axa.

The cover Axa provides is good and think best value atm. I have 6 insured with them altho I am finding the cost of insuring so many a bind. Have been building up a vet fund for some months hoping to cancel but just too scared to just yet. Think perhaps especially important to insure when young and when getting older but anything could happen at any time of course and insuring just 1 cat may be within budget?

I had thought you were just fostering but see you've been "got"

Stunningly beautiful tabby btw

Gill (sneakiefeline) · « **Reply #3 on:** September 30, 2009, 21:33:55 PM »

Insure and asap!

Many of us now are with AXA which you can only do on their site. You will not find another company to match their cover at their rates,

It has excellent cover annd I have just got the renewals in for my 4 and its only gone up £1 a cat per month , and this is despite claims of about £2000 plus for one of them in the last year and his claims are likely to continue sadly.

Its takes 14 days for the insurance to kick in before you can make a claim, so speed of insuring very essential.

Michelle (furbabystar) · « **Reply #2 on:** September 30, 2009, 21:29:21 PM »

I dont have insurance as i have too many cats
but if i had fewer i would deff insure them

angeleyes · « **Reply #1 on:** September 30, 2009, 21:26:34 PM »

Now our little furry friend is part of the family i have been considering pet insurance, i don't have it for any of my buns as a lot of the common probelms were not covered however i am not sure about the cat.

Do you have yours insured and if so who with please?

Author Topic: To insure or not? (Read 5731 times)