I’ve been searching for days for a decent cat insurance for my one-year old- I want cheap lifetime cover and so far am considering pet plan 4000 a year. That is still 13 pounds a month for my cat, but the reason I like pet plan is that many say their premiums don’t drastically raise + my vet is willing to directly accept from them. What I don’t like about pet plan is that it is pricey, and once my cat’s 10 I have to pay a high excess and 20% of vet bills and in that case – it’s just not worth it. Are there any cheaper policies you have tried or know about which offer a good deal? What I’m worried about with one’s like John Lewis are the drastic rise of premiums I’ve heard about on the Internet.