Cats in Boxes

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JK chameleon Jul 2021 10:35am, 15 Jul 2021 14,628 posts	0 JK chameleon So if getting a mog, setting aside say £10 a month into a "Cat Fund" is a decent idea?
icemaiden Jul 2021 10:38am, 15 Jul 2021 5,198 posts	0 icemaiden I don't insure mine either. The current incumbent had a bill of about £800 when she was about 3 years old for a collapsed lung (no idea how it happened, she was out one night and dragged herself back covered in cleavers and wheezing). The one who just left us had a bladder thing once and cost about the same. So having had both of them for about 10 years each, we wouldn't have made back the costs that we have expended. I also think that if vets know you are insured they recommend more expensive treatments. The bladder thing started out as 'go to the other vet and stay over night, we don't keep them here (£200 per night), have an investigation under anaesthetic (£lots of dosh), pay for treatment xxx' until I said that was unreasonable and she decided she could prescribe pills and he recovered just fine.
EvilPixie Jul 2021 10:40am, 15 Jul 2021 26,547 posts	0 EvilPixie Def JK
icemaiden Jul 2021 10:41am, 15 Jul 2021 5,199 posts	0 icemaiden For cats, as with household white goods which are just as reliable, if you can, keep a pot for their fixing/replacement costs over their lifetime. So £10 a month, plus fees for jabs is a good idea for cats, and £5 a month for each of your washing machine, dishwasher, fridge freezer.
leaguefreak Jul 2021 10:41am, 15 Jul 2021 9,722 posts	0 leaguefreak That's the approach we have taken. In life in general we take the view that we only insure against risk we are legally required to insure against or risk that would be catastrophic. If you look at insurance companies their profit margins suggest they pay out less than they take in. Its a gamble and I'd you play yo know the house will win eventually. When we got Bib and Boba we increased the contingency allowance in our savings. It may or may not pay off but if you take it together with all the other insurance we've not bought over the years we will likely be net winners.
sallykate Jul 2021 10:41am, 15 Jul 2021 8,074 posts	0 sallykate I think so JK, or factor it into other regular savings.
EvilPixie Jul 2021 10:45am, 15 Jul 2021 26,549 posts	0 EvilPixie I have an old bank account that I pay my mobile and gym out of and any/ most "me" costs like training I pay in £100 a month but the debits are less than that I don't notice the money going out and it's slowly increased over the years so that's the cats fund
JK chameleon Jul 2021 10:52am, 15 Jul 2021 14,630 posts	0 JK chameleon Thanks for the advice I do regular savings for the house fund, so once I get a house this can continue into a cat & general fund
EvilPixie Jul 2021 10:55am, 15 Jul 2021 26,551 posts	0 EvilPixie good idea
The Pin Lady Jul 2021 11:39am, 15 Jul 2021 595 posts	0 The Pin Lady I pay about £8 per month with Animal friends for Pepper's insurance and generally have had my money's worth. She does tend to get have expensive Vet bill per year for bites (last one resulted in her having to be anaethatised to find the source of the bite) . Will review it each year and if it gets too much (such as the quote for Petplan) will just put it in a cat fund.