Not surprising, prices increase as insurance covers it, insurance bills increase etc… Just a filthy unregulated industry.
One of my girls is old enough now where I wouldn’t put her through surgery trauma anyway. The other I take the risk myself. If it kills me financially then, well I’ve had that’s chat with the hounds, I’m sure they hide illnesses well now.
Just jumped ship from Morethan for a 8 year old female indoor moggie with no previous conditions. I should have done last year when it went up to £500. Had the renewal quote yesterday and they wanted £670, didn’t even bother to talk to them before arranging new cover from July when the current runs out. Went with Bought by Many for £285 per year, same level of cover and much better excess policy.
I then told Morethan I wouldn’t be renewing.
I agree industry needs looking at as prices are going through the roof and the big vet chains are buying everyone up. We purposely took this cat to a independent wanting to avoid Village Vets and guess what, they took them over. Village Vets is nothing to do with a village unless you class being owned by Mars Veterinary Health with 2500 practices across 20 countries as being small scale. And yes its part of that Mars.
who also make pet food and some vetinary pharmaceuticals
Yeah, that is sketchy af.
well our £300 John Lewis insurance has already paid for itself.
Lion is a brilliant beastie with people, being an utter tart he charms all who meet him, with other animals (except his brother Nop who he tolerates) he’s an unholy cunt. He’s already had an abscess on his side from a scrap this year but last week he came home limping on his left front paw. Took him to the vets and they said ‘soft tissue damage’ here’s some anti inflamatory, come back next week if it’s not better by the time you run out.
10 o’clock Saturday evening he starts acting very strange and yowling (which he never does), so on the phone to the emergency vet and get told to bring him in, after waiting until 2.30am he’s now half shaven from blood extraction and looking for what turns out to be a deep but almost invisible bite into his ‘elbow’ joint. He’s also off his tits on methodrone and been prescribed kitty morphine, lucky fucker.
This cost nearly £500 with £250 of that being the ‘emergency consultation fee’.
Picture of the expensive twat doing his best Herbert Lom impression:
Random picture of the other 2 cats (Nop - big black lump and Darla - small carbon copy of lion) as Lion and Darla hate each other with a passion and I suspect it was her that ‘dun the deed’
So £300 insurance for all 3 of them for £3000 a year each suddenly seems like a bit of a bargain.
Small update - vet thinks his bone is infected but is improving so he’s on weekly £70 a pop antibiotic shots, potentially for 6 weeks.
If he’s not shown some improvement by thursday they want to do an x-ray with him on gas which is lower risk than full sedation.
He’s getting all the good drugs but I’m still worried about the fat twat.
FFS I’ve just received Zak’s insurance renewal and guess what? It’s increased by almost 50%. There have been no claims made and no change of circumstances, I’m really wondering whether to continue with it. It’s now £103 per month 
How old is Zak now? That’s the kind of premium that would make me just put it into a specific savings account and manage the costs myself.
My two are about £40 each a month currently.
Let me guess, he’s just turned 8?
Have a look at Petwise. They specialise in senior dogs. Much cheaper in my case.
Just be aware that they charge an excess for every treating vet regardless of whether it is the same condition. So if you need to see an emergency vet and then have follow up treatment at your normal vet you will be expected to pay two excesses.
As Rob says, just turned 8.
Yeah, same happened with Ruby. 8 is classed as geriatric so they load the premium massively. All the insurance companies do it.
We did what Wayne suggested, and it’s worked out, luckily she’s only ever had her usual ear infections, that the insurance never paid out for anyway because they reckon they’re a preexisting condition.
That’s much better, Pet Wise’s top policy paying up to £10K per year is just under half £50 ish, there’s £150 excess but that’s ok, it’s the major stuff we’re concerned about.
Was recently quoted £50 a month for one 15 year old cat by M&S.
Got slightly less cover with Tesco for £18.
Bit more excess and little lower maximum payout.
Could get a new cat every month for £50.
Hahahaa
I wonder if Amazon will do a subscribe and save?
What would you do about 3rd party liability insurance. My brothers boxer was run over and killed by a Tesla and the insurance paid for the very substantial damage to the car.
I’ve got separate public liability insurance for Luka. £15 a year.
This was after my insurance co were asking £150 a month for insurance.
I did once suggest this to the vet when they said a treatment was going to be spendy. She took me seriously. Got all uppity she did.
I remember that happening, and it did give me pause to think at the time, but I never have Ruby off the lead anywhere near a road, and she’s wary of them anyway, so I decided I was comfortable with that risk.
