Cat Insurance Saved Us Thousands

Without cat insurance Little Mo our cat would not be here today. I have been meaning to write about insurance for some time now as I feel so strongly about the subject and wanted to pass on our experiences with vets and the rising cost of pet care.

Our experience of pet insurance

Both Matt and myself were working fulltime, but even then we didn’t have much spare money and were worried that if Little Mo needed any medication in the future we would struggle to pay for it. The last thing we wanted was to be put in the situation, where for the sake of money we would have to let Mo go, this was just unthinkable.

We were very pleasantly surprised to find that cat insurance was relatively cheap and for a few pounds a month, Little Mo was covered for up to £1500 vet bill a month as well as various other possible insurance issues. So we didn’t even think twice about getting the cat insurance from the very beginning and for the past 12 years we have always had Little Mo covered. Thank Goodness we did.

If it wasn’t one thing it was another.

We soon discovered that little Mo wasn’t as healthy as we all thought and over the next few years, she suffered from urinary problems, flea allergies, digestive problems as well as various cuts and scrapes (she’s a fierce little thing when she wants to be). We seemed to be constantly going to the vets and where treatment was above £50 we would use the insurance to cover the rest.

However recently we have been very glad indeed to have cat insurance. As you may have noticed from pictures of Little Mo, she only has one ear. Well a few years ago, due to the fact we didn’t realise cat with pale coloured fur on their ears could get so badly sunburned and the fact that Little Mo just loved to sunbath, a large lump appeared on Mo’s ear. The vet was unsure if the lump was cancerous or not and a blood test and biopsy was done and as you can imagine the bill for this alone was well over £150. When the result returned, we were told that luckily it was not cancer and the vet felt that he could remove the lump safely. The operation was carried out and the bill came in at over £300. As you can imagine we claimed on the cat insurance.

Then, 5 months later the lump grew back, bigger and nastier than before. This time the vet said that the only option was to remove the ear so that the limp could not come back. Another more expensive operation and medication, this time it was £480. What with all the extra little trips to get stitches removed etc, the total treatment for this lump came to over £1000. There was no way we would have been able to afford that ourselves. What was really great was that our cat insurance policy paid out both times and in such a short period of time between the two claims. We were even surprised at how easy it was to claim and at how quickly we were paid out. I just dread to think what we would have done if did not have any insurance.

Don’t rue the day you didn’t get cat insurance.

Obviously I can’t recommend which insurance company you choose to use, as it is not my place. I have included a link for your information only. It will be for you to check out their policies and decide if they are right for you.

I hope my story has highlighted the need for every cat owner to have some form of cat insurance. It is just left for me to say, “May all our feline friends live long and happy lives”.

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