Pet Insurance

[natalie_1982]

If I have insured my cat on Vet's bills in excess of �35, what is the process of reclaiming my money if I am faced with a bill for over �35?  I mean do I pay and send the insurance company the receipt, or do I send the invoice to them?  My cat is 2, has never been insured before but I would like to.  Has anyone any advice for me?  Is it worth getting him done (some companies don't pay for a lot so is it worth my while in that sense rather than his health)?

[woofgang]

Natalie, you need to read the insurance paperwork to find out about claims because it varies from company to company and surgery to surgery. I don't understand your question about neutering, although I understand that it is customary to neuter tom cats becuse of their habits if left entire.

[natalie_1982]

I haven't asked a question on neutering!  My little boy cat was done 18 months ago.  I was wondering whether it is worthwhile getting insurance, or am I likely to end up paying out anyway?  Thus the �10 or so a month wouldn't be benefitting me.

[k8tkoo]

Natalie_1982 I think the confusion above was the wording, ie "getting him done"! My mum's got her 18 month old cat insured and he's been in for surgery for a hiatus hernia and also for an injury to his tail - accident prone! It definitely depends on the insurer but with tesco.com she had to pay initially (�40 excess both times) then Tesco sent a cheque to cover the rest. I think you just phone them up when you want to claim after you've paid and they send you the cheque - don't think mum sent them the receipt or anything. Could work out a lot cheaper than paying for any injuries/health problems yourself. Bear in mind though, most insurers won't pay out for existing problems or annual injections. 

[woofgang]

sory, I did think "getting him done" referred to neutering. We have our dog insured with petplan. Its not cheap, but they have been super to us in the past. Their cover is for life and with dogs, as they get older, they are more likely to need what can be quite expensive treatments. We did  have to send paid receipts in to them, now the vet does it for us