Poor Boris

I won a competition for pet insurance (Petplan) by sending them a photo of Mowgli. However, unfortunately it couldn't be applied to her as she was diagnosed as diabetic when she was 8. She had a quarter of a human diabetic tablet every day (hidden in mince) for the rest f her lie. She lived until she was 18 and fortunately, apart from her annual jabs, there were no further vet's bills.

Good news about Boris, FP. 😀

Despite having one issue with Petplan with Harvey's teeth, I have to say they've been amazing. They've paid out absolutely every time with Alfie. And I've honestly claimed thousands for that bugga. His final illness was nearly £6k! They paid within days. And mostly they've paid the vet direct.

The problem I had with Harvey was down to poor record keeping by a locum vet. And they refused to pay. I fought tooth and nail but ending up getting the money out of the vet as it was clearly their fault. And I got an additional £150 I think it was out of Petplan as a good will gesture so I was up on the deal. And I stayed with my vet and with Petplan.

My guess is £5 a month is accident only cover Moody One. You could get away with that but ideally you want something that covers illnesses as well. I put the boys on lifetime cover. I didn't have much choice as it was cheaper to do both and Alfie needed it. He cost at least £500 a year, every year because of his heart.

I was dithering about cancelling Harvey's insurance because he's fit and healthy but then he got flipping pneumonia and I thought I might as well continue. I'll never pay out in fees anything even close to what I've claimed, no matter how long Harvey lives.

An Insurance company will try and do anything to not pay out, if for example Millie had a stomach problem and in the past you'd taken her to the vet because she'd been sick they'd say that that was a pre existing illness and wasn't covered. The only foolproof way is to start it immediately you get them i.e. when they are a six week old kitten or puppy