Thank you so very much for all the lovely comments and good wishes for Magic. I am touched and very grateful for your support. Magic is improving but very slowly however I am grateful for any improvement. She is still being tube fed, receiving her antibiotics and hepatic medicine and insulin. Her mood remains very quiet and flat but there are little flickers of interest as time passes. I am writing up a proper post of everything since she came home and will publish it once I've organised my thoughts as it is a bit of a chaotic diatribe right now. In the interim, I wonder if I can push my luck and ask if any UK readers can offer advice on cat insurance?
Neither of the cats are insured. This was a choice made when I was much younger, there were fewer treatment options were available for cats and I was more financially solvent. I did consider insurance with my first cat but having carefully looked into some policies I realised the majority of things offered under them were not relevant, too limited to be of value or useless when a cat got older. I also once had an experience where a vet was planning all sorts of expensive and invasive immunological testing until he found out the cat was uninsured. The condition turned out to be a simple itchy rash and not a major connective tissue disorder!
In the light of Magic's life threatening and very expensive illness I have realised I am not as financially flexible as I once was and I need to rethink my options. It is too late for Magic. She is 11yrs old and now has a chronic health condition that it would be easy to imply was responsible for any new illness as a means of not paying out. For Red I think I need to get him insured and just take the financial monthly cost as a way of off-setting a massive and unexpected bill while he is still technically 'young' at 4yrs old and pre-existing illness free.
I've done some comparison price shopping but that only tells part of the story. So far I think a lifetime policy would be right with as high coverage as possible balanced against the monthly cost. Other than that I am a little stuck as there are so many providers out there. With car insurance I can easily ask around regarding good providers but cat insurance seems to be a much rarer thing especially for a non-pedigree. As you may have noticed, like everyone who blogs about their cat, these two are ever so slightly adored. While I don't relate an animal's value to how much I paid for them, insurers do and some policies seem geared towards valuing animals by their initial price or weighting the policy benefits to this. I just want reassuring coverage for illness.
So I would love to ask if any of you have UK cat insurance advice, have had experience of making a claim and how helpful/hassle-free the insurer was. I'd also welcome any relevant advice or information that might help me make a decision? If you can answer any of these questions in a comment or privately by email at irishredsetter AT live DOT co DOT uk I'd be really grateful for your shared wisdom.