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  #1  
Old 22.08.2020, 20:04
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Cat insurance ...

The last thread on this subject from 2015 suggests itís much better to self insure than to buy cat insurance.

Has the thinking changed?
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  #2  
Old 22.08.2020, 20:09
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Re: Cat insurance ...

I donít think so.
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Old 22.08.2020, 20:30
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Re: Cat insurance ...

We have had cats for many decades - and only one ever needed an operation for a broken jaw (old neighbour threw a stone at him as he was digging his veggie patch). The bill was about £50 - so the money we saved is huge.
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Old 22.08.2020, 20:34
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Re: Cat insurance ...

Dunno about cats... but we thought we'd save money by not getting pet insurance for our dog.... 4 months old and he broke his elbow, that was 4K

Now we have insurance with Animalia https://assurance.animalia.ch/de?_ga...4aAmJPEALw_wcB
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Old 22.08.2020, 20:49
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Re: Cat insurance ...

So f6.50 a month, f78 a year, for two f156.

I assume thatís for a fairly large deductible too.

Mmmm need to think a little more. May try Comparis.
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Old 22.08.2020, 21:00
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Re: Cat insurance ...

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So f6.50 a month, f78 a year, for two f156.

I assume thatís for a fairly large deductible too.

Mmmm need to think a little more. May try Comparis.
They pay out 50 francs a year for vaccines though, which has no deductible, so you get some of it back!
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Old 22.08.2020, 21:06
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Re: Cat insurance ...

Thanks for that ...
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  #8  
Old 22.08.2020, 22:20
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Re: Cat insurance ...

Just put money aside each month in a separate bank account. I've been doing that for years to pay our tax, but it also has enough now to cover all sorts of emergencies or things like downpayment on a new car.
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Old 22.08.2020, 22:32
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Re: Cat insurance ...

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Just put money aside each month in a separate bank account. I've been doing that for years to pay our tax, but it also has enough now to cover all sorts of emergencies or things like downpayment on a new car.
This was our plan, but something happened before we'd even built up savings. Also, only works if the possible treatment is not super expensive or long term for chronic condition.

I'm paying 270 a year for my dog, minus the vaccine refund, 220. Lets say he lives another 10 years that's 2200 francs. If I put that in the bank instead, it wouldn't touch any kind of serious veterinary treatment.
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Old 22.08.2020, 22:41
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Re: Cat insurance ...

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This was our plan, but something happened before we'd even built up savings. Also, only works if the possible treatment is not super expensive or long term for chronic condition.

I'm paying 270 a year for my dog, minus the vaccine refund, 220. Lets say he lives another 10 years that's 2200 francs. If I put that in the bank instead, it wouldn't touch any kind of serious veterinary treatment.
But if you put 100 a month aside in a year that's 1,200 and in ten years that's 12,000.
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Old 22.08.2020, 22:50
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Re: Cat insurance ...

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But if you put 100 a month aside in a year that's 1,200 and in ten years that's 12,000.
So if my dog gets really ill it'll cost me 12,000 of savings instead of 2200 i've paid the insurance (ok there is a deductible but still). Also a broken elbow cost me 4000, so god know how much something more serious could cost. Chemotherapy? I'd hate to have to make a decision on his treatment based solely on cost
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Old 22.08.2020, 22:59
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Re: Cat insurance ...

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So if my dog gets really ill it'll cost me 12,000 of savings instead of 2200 i've paid the insurance (ok there is a deductible but still). Also a broken elbow cost me 4000, so god know how much something more serious could cost. Chemotherapy? I'd hate to have to make a decision on his treatment based solely on cost
Depends if you want to trust the insurance to pay up. And whether there's an age limit to the cover they give you. Okay he may live for another 10 years, but if the insurance won't cover him after 5 then what are you going to do?
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Old 23.08.2020, 08:11
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Re: Cat insurance ...

Dont insure what you can afford to pay yourself... I dont even get full coverage insurance for brand new cars/motorcycles...
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Old 23.08.2020, 10:21
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Re: Cat insurance ...

Animalia paid for 80% of my cat's chemotherapy, which was around 4000 Francs. Poor fellow didn't make it but it was a great comfort not to have to worry about costs when deciding what to do.

Previously, he'd had some mystery conditions that racked up more costs. So I definitely saved a fortune by having my cats insured.
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Old 23.08.2020, 11:02
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Re: Cat insurance ...

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Has the thinking changed?
I don't know if thinking has changed, but perhaps the care available has.

We are fortunate that the range of treatments with the ability to save your friend's life have expanded. These advancements come at a price, of course.

(Every Rappen of which I happily, gratefully, pay.)

I can't speak to cat care prices, but I've had four figure events with every dog.

It really boils down to the question 'In a scenario where treatment has a reasonable chance of leading to an improved quality of life and not treating means certain death, how comfortable are you in covering unexpected (and possibly significant) costs out of pocket?'

You might ask the person at your vet practice who handles billing for his or her opinions on the various plans. That person (who is usually not the vet) will know which are easy to deal with coverage-wise, and might be willing to share insights.

Last edited by meloncollie; 23.08.2020 at 11:23.
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Old 23.08.2020, 11:03
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Re: Cat insurance ...

I also went with Animalia for the Ship's Kitten, on the Tierklinik's recommendation as no-quibble payers (we use them as our regular vet). Half the price of the other big two companies and have paid out the extras so far, indeed with no quibble (vaccination contribution, castration) albeit they tend to be busy. However I can upload bills immediately via their app, which then gives you an estimated payout time (6 weeks for last week's vaccination). Costs CHF 200/yr with CHF 250 excess, less CHF 50 for vaccinations.

From last year's experience losing two critters within 5 months, I cannot recommend Epona any more. They used to be good going back nearly 10 years, but this time round they kept losing the bills I sent them and I had to fight for nearly 6 months before they eventually paid out. Wau-miau cancelled the ship's dog's insurance because his chronic condition "was costing more than they were making from the policy". Funny that, I thought that was the point of insurance - they win some, they lose some.

As I'm normally on a low income, the predictability of costs itself has a huge value to me. As with Kittster, the last thing I'd want my critter's outcome to depend on is finances.
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Old 23.08.2020, 11:32
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Re: Cat insurance ...

We have had cats for over twenty years and in all that time with multiple cats we had never had anything more than routine the vaccinations and castration/speying as expenses until last year.

Our cat was unwell but with no obvious cause after several tests until he developed an abscess on his head (probably as a result of a fight). Several rounds of antibiotics and procedures to drain it later it was discovered to be an antibiotic resistant bacteria and with the right antibiotics it quickly cleared up.
The vet didnít charge us for some of the consultations but it was still just over a thousand francs in total. Same cat had and eye infection this year ( probably also due to a fight) and cost us another 250 francs.


On balance I think weíre still just about on top overall without insurance but just to say that small things can end up being costly.

I think itís probably more worthwhile for dogs than cats in general but we would probably look into in the future should we get another cat as pet insurance has evolved over the years too and is probably better now than it used to be.
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