Sliiiiiightly off topic, but can anyone recommend a decent pet insurer? Weāve got our renewal coming up from Sainsburys (who I really rate quite highly) but it just wouldnāt be right to not check out the competition 
Iām with healthy pets. Never had an issue although Iāve never claimed from them
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This is one of those questions that is impossible to answer (in my opinion).
Does best = cheapest? Or does best = easiest to claim money from? Itās never ending!
I use the CoOperative - I found them competitively priced and Iāve had a very easy time claiming from them.
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Agreed, Iāve had to claim from Sainsburys before and they were brilliant - no issues whatsoever, so part of me is thinking perhaps it isnāt best to part with them, even with the increase. Then again, even through this forum Iāve been introduced to companies who are smaller, operate better than their competitors all the while being cheaper, as well so itās worth taking a look imo
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Cat or dog? Also - most insurers wonāt cover āpre existing conditionsā, or if they do, itās very expensive (certainly for dogs).
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Cat. I think weāre in the clear because his condition was urinary crystals (the most common condition male cats can have, apparently) and itās treated by changing their food to a formula for the rest of their life to keep it at bay.
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@louisotto Iāve split this topic into its own thread so we can give it a proper discussion
No pets myself unfortunately - but Iāll ask the team!
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We have Tesco Pet insurance, was a good price for the most expensive one and covers a lot of things for my cat. They were also really good when we rang up to ask in detail what they cover etc. All their reviews were 4/5 star so we thought it seemed a good option to go for.
(*Fingers crossed, never needed to use it)
4 Cats & 4 Dogsā¦
I use https://boughtbymany.com/ each time need to renew, they often get group discounts for certain breeds as they drive enough customers to each insurer.
Defo worth a search, lots of insurance discount codes and special rates
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PetPlan every time for me!
When Napoleon dog had cancer, twice, they were nothing but incredible. My vet was also epic, and worked with PetPlan to take a huge hassle out. Cannot recommend them enough, and Clerkenwell Animal Hospital were also fantastic.
Not insuring would have left me about Ā£11000 out of pocket.
Cheers man 
Iām so sorry to hear about that, but also really glad you got a good experience!
This is definitely worth a look, thanks!
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Iāve been using PetPlan and although I havenāt had to claim yet, they seem pretty decent!
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I also use Petplan and have had to claim with them, it was a breeze and mostly went through the Vet!
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My cats insurance is due for renewal soon so these are all good shouts! Petplan felt quite expensive but may revisit them!
I am pretty happy with Vetsure.com
Iāve been using PetPlan for my FIV+ cat.
They have an incredible amount of exclusions for an FIV+ cat, it seems like any possible claim will come back with āsorry, that the FIVās faultā.
He had some problems with his teeth when we adopted him from the shelter (had to have 3 removed), was lead to believe it was covered, but PetPlan required documentation from the adoption shelter. It took us an age to a) find out that they wanted this info, and b) actually get the agency to send it.
They closed the claim automatically after they didnāt receive any info from the shelter, said they would reopen it once they receive it. So far Iāve not been able to get PetPlan to acknowledge that theyāve received it, despite the shelter confirming theyāve had confirmation of it being received. So my claim remains closed and PetPlan havenāt responded yet.
Reminds me I need to bug them again.
So all in all mixed experience.
I think itās also really important to look at any claims payout statistics an insurer has, if they are available.
Thereās also a train of thought that you may save money longer term by saving cash each month for use in the event that your pet requires it. My PetPlan costs Ā£40/m, over the potential life of a cat, that could be upwards of Ā£6k set aside.
Worth consideration in any case.
Also if anyone hears of any great FIV+ insurers would love to hear about them!
Bought By Many 
Only switched to them in October. Had to claim in February. Even though he probably was unwell before the switch they still paid out the full amount - no quibbles
(I took him to the vet as soon as I thought it needed that attention, but obvs symptoms are around before then)
i also find it to be a decent price for a pure breed and a moggy
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This is gonna sound weird, but does anyone know a pet insurance with an option for ducks? 
I have two Indian Runner Ducks and I was looking around but it feels like that just cats and dogs are considered pets. 
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We have full protection with manypets/brought by many.
Never had to make a claim as of yet although we are thinking about switching as it is a little pricey and they just increased it 
ā
Before our last dog passed away we never got the chance to get insurance and she got Cushingās disease (hyperadrenocorticism) which costed a absolutely fortune and it lead to her passing away. When we got a new puppy a few years later we got the insurance incase something similar happens again but as of yet never had to claim or even take her to the vet other than routine stuff.
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We have Helpucover for our rabbit and Petplan for our cat.
weāve claimed on this once for emergency care which was really easy, and they were really sympathetic when our 2nd bun died.
not claimed in this so far, but it was recommended by my sister who has had it for a few cats over the years and highly recommended them.
I havenāt looked at insuring elsewhere for our bun as heās 7 years old so most places wouldnāt take him on now, and Iām happy sticking with petplan for the time being but might shop around in future.
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