You might pay more for him with being a pedigree, and there may be items excluded (Persians are more likely to get kidney probs, reputable breeders will test parents though, and am sure there is something else they are more likely to get). I am with Sainsburys - the excess on older cats isn't that brilliant, but better than nothing - the excess for under 9 year olds looks quite good actually. Don't know if they do a discount for multiple animals, I was going to go with one that did, E & L I think, but someone on another forum said to stay away from them. I am naughty and have refused to have mine vaccinated against FeLV, so if she gets that or any conditions relating to it, they wont pay out. i just give money to the vets each month to pay for Gingers' boosters and blood test. Looking at my policy booklet, I can't see where it says about being for life, the cover is per condition and is dependant on you paying the premium. Customer Service Number is 0800 056 57 58, e-mail is
PetCarecustomerservice@sainsburysbank.co.uk