FAQ
Questions, answered.
No — and that’s the point. Insurance is haram because it sells you a contract on an uncertain future. Mishmish Cover is a fund owned by its members: you pay in monthly, and when your cat needs a vet, you send us the bill and the Fund helps. The difference is legal, not practical — help comes from the Fund’s discretion rather than a contract, which is what makes it halal and what keeps it outside insurance regulation. It also means the Fund isn’t covered by the Financial Ombudsman or the FSCS; disputes go to internal review and an independent mediator.
£29 a month for cats joining under 8, £39 a month for cats joining aged 8 to 10. Annual is 12 times the monthly amount: £348 or £468. No discounts, no uplifts.
A fixed 35% runs the mutual: the people, the systems, the vet-written guides. The other 65% goes into the Fund, which is owned by the members and only ever pays for cats. At the end of each year, whatever the Fund hasn’t needed after grants and reserves may be donated to the three charities members choose. No one else takes a penny.
Illness and injury at any UK vet, and dental illness and injury where your cat has had a dental check in the last 12 months. The Fund can help with up to £2,000 per cat per membership year, above a £99 excess.
£99 per condition per membership year. You pay the first £99 of each condition; the Fund may grant 100% above that, or 80% from your cat’s 8th birthday.
Email the invoice and clinical history to requests@mishmishcover.com or upload them at mishmishcover.com/submit-a-bill. A Grants Officer decides within 5 working days and any grant is paid to your bank.
The system prepares a memo from your vet bill and clinical history, the waiting periods and the Rules. A Grants Officer reads it, decides whether the Fund can help, and records the amount and reasons. A person makes every decision, within 5 working days.
You can ask for an internal review. If you still disagree after that, you can refer the matter to an independent mediator. The process is set out in section 10 of the Rules.
Yes: 3 days for accidents and 14 days for illness, counted from your first payment.
Conditions your cat had before joining are not included. Ongoing conditions that start after joining are included year after year, within each year’s limit.
Within 14 days of your first payment, yes, for a full refund. After that the 12-month term applies.
At the end of each Fund year, after grants have been paid and the reserves the Rules require have been set aside, whatever your group has left may be donated to the charity your group chose. Nobody’s personal money is tracked and there are no individual balances. It is the Fund’s surplus, given in your group’s name.
Yes, whenever you like and without logging in. Ask for a change link on the Giveback page, tap the charity you want, and it is done. Four weeks before the Fund year closes we also email every member to check their choice.
Then there may be nothing left to give that year, and that is fine. Your group’s cats were helped, which is what the Fund is for. A shortfall never carries over as a debt, and the next year starts fresh.
Not at launch. It unlocks at 250 members.
Mishmish Operations Ltd runs the membership for a fixed fee. The Fund, Mishmish Cover Limited, is owned by its members and holds the money.
You pay the whole bill, or you make a decision no owner wants to make. The average bill is £685; emergencies run £1,500–£3,000. That’s what £29 a month is for.
Because anything your cat has today is a pre-existing condition tomorrow, and cover can’t help with it. The cheapest day to join is one when your cat is well.
£29 a month. Two minutes. Cancel within 14 days for a full refund.