Vets.

[Mups]

Thanks Mups, that's what I'll do.

Worth a try.   I keep my veterinary account  separate to any other account,  and only ever use it for the animals. 
 
I have just been to the vets with one of my dogs this very morning in fact,  because she's been poorly over most of the weekend.    I paid the vet with my visa card,  then when I get home I just transfer the amount from my veterinary account back to the current a/c again.

I suppose the only way you could come unstuck, like Klondike said,  is if you were unlucky enough to have  something hellish expensive go wrong and you needed a specialist surgical procedure or something like that.   That could go into thousands.
Best of luck,  hope it works out for you.

[Diasi]

Thanks Mups.

The insurance is hardly worth for small amounts with the £200 excess & the 20% payment of the balance.

One claim for £500 would see me get £300 less 20% = £240 & the premium would then probably go up £500 next year.

The 3 cats are all indoor cats so they won't get hit by a car or obtain any other outdoor injuries or ingest any poisons.

They are all fit at the moment so I'm banking on having a pot built up by the time they do need treatment.

[JBR]

The 3 cats are all indoor cats so they won't get hit by a car or obtain any other outdoor injuries or ingest any poisons.

Very wise.  Our two are the same, in that they find it very difficult to get out of the front of the house, and have plenty of space in our rear garden, and probably those of the neighbours?
When we wanted to replace our previous cat, who lived to the age of 23, we made enquiries at a nice cat shelter not far from us but were refused as we live on a busy road.
We obtained these two from another place further away, and I send them a regular donation every month to support their work.