Cat insurance, any recommendations???

BambergcatBambergcat Member Posts: 838 ✭✭✭
edited 5 April, 2011 in Senior Cats
Please let me know if you have this insurance. I am insuring my eight year old other cat is too old for insurance and she had had her eye removed and has early kidney disease....I need to hear from others. Thanks.


  • Lisa ProvostLisa Provost Member Posts: 4,486
    edited 27 March, 2011
    Hi Natalie, I just went on that pet insurance review site that I\'d sent out a link for with one of my newsletters and you can read reviews on all the different companies. Purina got a lot of good ones but a lot of bad reviews as well. I\'m not too happy with some of those reviews. They mention having money being taken out of their account without telling them, their policy being cancelled for no reason and they can\'t fix it, things like that. What I\'m doing right now is you can go on this page and get a free quote, you put in your email address and the different companies will email you a quote and their company info for review. Insurance reviews. This way you can compare them and then go back on that site and read the reviews. =;
  • AshPoGusAshPoGus AlbuquerqueMember Posts: 7,041 ✭✭✭
    edited 27 March, 2011
    This is the same response I put in the other thread, Natasha: Natasha, look at the response from Coopurr and from Bella Mae on the 2nd page of this thread: Pet Insurance - just the facts man They both have Purina Care. You could get in touch with them if they don\'t show up to post in this thread. Also look at Coopurr\'s response in this thread: Kitty health insurance Here\'s a page (on the same website Finney referred you to) that leads you to reviews for all the different companies. You\'ll see the rating for PurinaCare vs the other companies (it\'s not the highest but pretty good). Pet Insurance Review - Current Customer Ratings When you click on the link for the reviews of PurinaCare, you\'ll see in the upper right corner of the page a little box that gives the number of reviews about PurinaCare in the last 60 days and the last year. They do not have as many reviews as some of the other companies. (PetPlan, which I have, has a lot more reviews than PurinaCare. I don\'t know if all the insurance companies do this, but as soon as my claim was complete, PetPlan asked Mom to put a review on that site. She did - gave them a 10 of 10 rating - but it has not showed up on the site yet because they have to okay it, I think. Anyway, I don\'t know if some companies have more reviews because they ask for them, because they have more customers, or what!) Good luck with whatever you choose for Alex. Mom said it was really hard to choose and she thought PurinaCare looked very good, too. At the time she bought our insurance, she didn\'t know of anyone on Catster who had PurinaCare. She went with PetPlan because she knew someone who had good experience with it.
  • Leanne FroebelLeanne Froebel Member Posts: 1,730
    edited 27 March, 2011
    I\'ve used VPI and Petshealth careplan in the past - I was not happy with what either had to offer. I\'ve had Trupanion pet insurance for about a year, and have been pretty happy with them. You can even sign up for a free 60 day trial through Catster - just type Trupaion in the search box in Catster\'s upper right screen. Do your research, get some free quotes, and ask LOTS of questions. Make sure you understand what you are signing up for.
  • Mary WaltersMary Walters Milton KeynesMember Posts: 6,959
    edited 28 March, 2011
    I have my 3 young ones with Saga, £15 a month for all of them, Ginge has to go on it today.
  • Tiffany AldingerTiffany Aldinger Member Posts: 620
    edited 28 March, 2011
    I went with PetPlan because of Ashlynne and another family's review of it. I liked that you could choose the reimbursement level and deductible that works for you. It made it very affordable. I don't know if other companies let you do that - I have admit, I didn't look at any others.
  • Susan SoutarSusan Soutar Member Posts: 73
    edited 28 March, 2011
    I am on trupanion and Mommy likes it so far!
  • Mary WaltersMary Walters Milton KeynesMember Posts: 6,959
    edited 29 March, 2011
    We now have 4 cats for under £20 a month on Saga and thats value for the cover, gives £2000 a year per cat. I am 60+ but don't think you have to be old to subscribe to it.
  • Debra HoffmannDebra Hoffmann RidgewoodMember Posts: 1,174
    edited 29 March, 2011
    Er Ginge's parent....60 is not old!!!! Mommy says-she's 52, and says it's not the age but the milage.
  • Mary WaltersMary Walters Milton KeynesMember Posts: 6,959
    edited 29 March, 2011
    OOO thanks Nat xx I am 65, but I think the insurance may be for over 55's.xxxxxx
  • Karen ParsonsKaren Parsons GriffithMember Posts: 821
    edited 30 March, 2011
    We have Trupanion! They are the best! Augie wouldn't be with us with out it!|$|
  • Katherine DutcherKatherine Dutcher Jersey CityMember Posts: 3,916
    edited 2 April, 2011
    i like Embrace. They are the best if you are the type who wants to treat everything! Some of my babies where too old for the insurance but I got Scooter and Ernie and Bob and Norbert insured with Embrace.
  • Teresa ConcannonTeresa Concannon Member Posts: 7,378
    edited 3 April, 2011
    Kaci is insured by Trupanion and I\'m happy with them. After I met the deductible for her hospitalization for her kidney failure -- think it was $500? -- they paid as promised. Kaci has hyperthyroidism, considered a preexisting condition, and they don\'t cover anything to do with her hyperT and they don\'t cover routine office visits. Kaci was 13 when she was insured and too old for any other insurance plan, with the possible exception of the one from the ASPCA, but their premium was too high for me. I choose Trupanion because they would cover her and the monthly premium fits my budget. I have no complaints.
  • AshPoGusAshPoGus AlbuquerqueMember Posts: 7,041 ✭✭✭
    edited 4 April, 2011
    Just a couple of things to check when you\'re trying to decide about insurance. (1) Some companies raise the premiums as the cat ages, even if you start the insurance when young. That may not be all that bad, but you should know what you\'re getting. (2) Will you have coverage for life for chronic illnesses which start after you take out the policy? Some companies apparently count each new year as the beginning of a \"new\" policy. So if you have an illness that begins in one year, it can become a \"pre-existing\" illness for following years and may not be covered, even if you keep continuous coverage with that company. :-O (PurinaCare and PetPlan are both okay on this point -- I did not check any others.)
  • Lisa DaversLisa Davers SacramentoMember Posts: 3,642
    edited 5 April, 2011
    Pets Best and PetPlan both have pretty good policy structures and provide plans that cover chronic diseases that may last over multiple policy periods. They also have no age restrictions and the only real restriction for cats is that they don't cover pre-existing diseases. The insurance review sites mentioned before are good. I insured Freckles with Pet's Best when I adopted her aged 15. When she was 16/17 Freckles needed expensive tests and liver surgery and later developed CRF. I was expecting the spanish inquisition when I made a claim but they paid out everything really quickly with no quibbling so I didn't have to carry a balance on my credit card. They paid over $7000 in total and paid based on my vets bills rather than some schedule that didn't reflect the real costs. The most amazing thing was that when I 1st took out the insurance I'd accidentally entered Freckles age as 5 months not 15 years 5 months and I only realised that when I made my 1st claim. I just offered to pay the additional premium and they accepted that and didn't use it as an excuse to cancel the policy. So I'd definitely recommend Pet's Best for otehr cats.
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