Forget E&L they are not a good company. Cant tell you who they are and do not think they are an under writers they will be under written by some one else.
One of the reasons that most of us use AXA is that they underwrite many companys but its cheaper to go the the horses mouth and get better insurance.
Refill the axa form out right and excess is now £75 which is the same across all the good insurers.
Check ups are not covered by insurance and a vet visit and anti biotics will be less than the excess. When I say check ups that is assuming you have not taken them because they are ill!
If they are ill the first £75 you will have to pay each time unless its a repeat of the same illness, if it is then all of the rest will be paid by AXA.
PDSA are not a very good option as they have limiuted funding and go for the cheapest way out as cc will tell you about Ollie treatment, compred to what he gets now at a private vets and he is so much better.
I pay around £10 a month each for Sasa and Misa with Axa and its only just renewed. They are 8 and 10yrs old. The birman boys cos lots more cos they are peds and they are 16 1/2 yrs old.
AXA has paid out thousands for Franta in the last year and a bit and he has an illness that keeps recurring so becomes a continuation claim. If I had needed an MRI scan for him , it would have cost somewhere in the region of £3-4000 but it was decided that he was to ill and old to go that route with 10 hrs travelling. But Axa would have paid all of that but I would have had to pay first!
Virtually all PDSAs become Vets Now at night now, unless you have a vet loacally or within travelling distance that has 24/7 cover,,,,,,I travle 30miles plus return if I need care at night and that cost me about a month ago well over £100, the difference is that vet has Frantas records but Vets Now would not and even if the cat is dying all animals are chucked out at 0800.
Cat care now is expensive and a lottery but I would opt for insurance every time.
Unless you have a bad post code !!!!!!!!!! then for a 3yr old cat I would expect the insurance with Axa to be under £10 and you get a small discount on any othe insurances....make sure you insure the cheapest first and then the biggest one will get the discount.
Some insurances have a floating excess where you have a flat rate for up to a certain amount and then it goes up as the bill gets higher..Sainsburys used to be like that.
So you have to read all small print but I would stick to well known companys who give a decent level of insurance AXA, Pet Plan, Sainsburys who I believe are underwritten by AXA. Look to see who the under writer is and if its AXA you will get better and cheaper insurance with AXA.
Do not bother with cheap companies like E&L cos they have a very bad reputation and it will be a waste of your much needed money.
I would go back online and change the form you have down to make the details right, try also Sainsburys , Tescoes and Petplan, Aviva and any other big ones you can think of, not all appear of the sites that comparec nsurers.
Come back and tell us what each is charging and we will try and sort out the small print for you if you need some help.
If say £4000 to cover the life of an illness......say 15yrs.........is as much as you can afford then you may have to go with that and wish, at that point the needs of PDSA will be required or a a painless trp to the Bridge. The cat maybe so ill you never get to that point, but everyone is struggling in the financial climate so basically you get what you pay for.
If your cat gets very ill with cancer or kidneys or something you will be forced to stay with the insurance that covered it at the time cos no other will give you cover, same if your cat already has an existing condition.
You have nothing to lose but to try the various companies online and there are so many........all the supermarkets and car insurers,,,,,,, but every one you need to check the small print to see what they are offering..try and stay with big companies only as many on Purrs have been stung.
I am willing to help if you Pm me the details of your cats and your post code, age , name , sex, pre-existing conditions and anything else you needed to put on the AXA form.
