Is it worth insuring your cat?

Question

The premium is £120 per with an excess of £80 for EACH vet visit. Vaccinations etc are not covered. So if an ill cat costs less than £200 it was cheaper NOT to have the insurance. What if the cat was very ill or badly injured in an accident and suffering? In that case is it not kinder to the cat to put it to sleep.

It seems the only way insurance is worth it is if you have a lot of cats the same colour and s*x. Then you can always pretend it is the same cat. How will the vet know, they can hardly question the cat

Answer 1

I work for the Cats Protection and what I always suggest to people is to set up a bank account and put small amounts of money in there each week/month.

This way you are putting money away but you have control over it all so if anything happens which is under £200 you have the cash there.

It works for me. But as stated above check out the comparison websites for the best deals on pet insurance.

Answer 2

spending money for cats on food, shelter, and other stuff that animals need is necessary and expected. But to insure cats? that's just a waste of money. spend that money on yourself.

Answer 3

Unless your kitties are clones, your vet will know they are not the same cat.

One thing to consider is that insurance companies are not in the business to lose money.  That means you will have a hard time getting anywhere near back what you paid in premiums.  And, you have to look hard at the fine print.  Are you restricted where you can take your cat?  Are there exceptions to coverage?  Are there caps on coverage?

Yes, everyone knows a story of a cat with a serious disease that comes out ahead if the owner has insurance.  Of course, that gets publicity.  The overwhelming number of pet owners that come out short get no publicity.

Well, it is a lot safer for cats to be outdoors in England than in the US, but in the US, a major step in reducing vet bills is keeping your cat indoors.

One approach is to set aside the cost of the premium in a savings account.  You will gain interest, and if you don't have major bills, that is all money to the good.

Answer 4

yes its worth it. my cats fighting for its life and were not insured the bills big but we dont care aslong as hes ok (yn)

Answer 5

I don't know how serious you are with this question but cat insurance is not a good option.

I  have worked in the insurance business and they are not in it to lose money.

I am a cat lover but it would be cheaper to get a new cat rather than fix the old one; put it down if it gets sick.

There are loads of cats in shelters that need homes.  

Answer 6

We had a rescue cat, now sadly dead, we got him when he was seven and he lived until he was 21.  After a certain age you can't insure them anyway - and that is the age when they might need most care.  But I insured him for as long as I could, then cancelled it.  If we get another cat, I don't think I would take out insurance.  The cost of having anything done is quite often below the excess anyway, so it isn't worth it.  The one thing I remember is a blood test which cost £85 (why?) and I had the first £50 covered, so I only paid £35.  But even £35 seems a lot for a simple blood test.  I don't understand vets' fees.  I really trust my vet but I have no idea where their charges come from.  Even to have our lovely cat put peacefully to sleep cost £60.

Answer 7

If you havn't got it and take a chance, you can bet your bottom dollar you will need it!  Insurance is expensive, but by golly so are Vet bills. I know, I've had some and thank goodness my dog was insured.

Answer 8

um i would say yes definately - i know someone who just paid £1800 for their cat to have treatment

I only pay £6 a month through direct line and the exces is £50...go on compare.com

Answer 9

if you get it your cat will be fine and it will have been a waist of money. If you dont get it then it will get ill and you will end up paying out the *** for it. My advise...dont get it. I didnt with my rabbits...if they gonna need something major or start to get ill i would rather put them out of there misery than splash out money for them to have an op that probably wont work and leave them in pain for the rest of their little lives.

Answer 10

insure your animals!! shop around and get a better deal though as that sounds a it expensive! I'm with tesco and its 9.00 a month for 2 cats. One of them got badly injured when she got knocked down by a car a month ago, and so far has cost over 1000.00 and our excess is only 100.00 in total. she wasnt bad enough to be put down but she woulnt have srurvived without the treatment. dont know what we would've done without the insurance

Answer 11

I have two eighteen year old cats that have always been insured since without it I'd struggle to afford treatment. I can at least pay premiums by instalments and have only to pay the excess. One of them has recently been diagnosed with hyperthyroidism and I'm so glad now they're insured.:0)

Answer 12

Id say it is!!!

Answer 13

This consumer website has done some of the sums on Pet Insurance in the UK you may find some parts of the article interesting