Insurance for indoor cat?

[blackcob]

Yes, I am aware that I am mad to be planning on taking on a bazillion new animals when we move house.

My next question, regardless

, is about insurance for indoor cats. Do you think it is necessary? OH thinks I am being ridiculous for even thinking about it as cat will be 100% kept indoors (we're planning on a pedigree cat and most breeders insist upon this, plus we are lacking a secure garden) and as such it won't be exposed to traffic accidents and things.

Cat will of course be vaccinated, neutered and microchipped regardless. It just seems alien to me not to insure an animal, I of course have my horse insured and I even have my fish tanks declared on our house insurance (although in my defense they're probably the most expensive thing in the house after the telly!

).

I'm getting quotes of around £12 a month with a £65 excess for treatment, up to £4000 vets fees a year. Does that sound about right?

 

[MurphysMinder]

I think I would be more inclined to put £12 a month into a savings account if I were you.

Obviously indoor cats can get ill, but the risks must be reduced of accident etc so personally I wouldn't insure, but its your decision. However £12 seems expensive, is that quote based on a cat kept indoors or just a general cat policy?

 

[animalsrule]

when we were looking at insuring our 2 cats we were quoted about £7 pcm and about 3000 in vets fees

 

[blackcob]

[ QUOTE ]
I think I would be more inclined to put £12 a month into a savings account if I were you.

[/ QUOTE ]

That thought did occur to me to be honest!

It's just a general cat policy for a British Shorthair; none of the online quotes I did allowed you to specify an indoor only cat oddly enough. It would probably be cheaper if I can find one that does!

That was for the second highest level of cover; there was a £7 a month policy but that didn't cover conditions beyond 12 months. Knowing how much it costs my neighbour to medicate her diabetic cat I'm not going for that option.

 

[CrazyMare]

We have never insured a cat in 25plus years of having them as a family. Roughly we get one lot of 'big bills' every 5/6 years. Even those have been in the hundreds rather than thousands catagory.