Tesco pet insurance - refusal to pay

Norfolk_Jim

Randal wrote: »

Thanks for the response and I hear what you are saying. But the way Tesco have put it, because he has already had treatment on his eyes, albeit for a dry eye condition (totally unrelated to his current cateracts), I can no longer claim anything to do with his eyes, no matter what the problem is.

So he had a minor conditon (dry eye), which we didn't claim for because it was minor and under the excess amount. The Vet is now saying that the cateracts are a totally seperate thing, but because they are eye related, Tesco won't pay because of the earlier dry eye condition.

I think back to the times through the years that he cut himself out on a run, or broke a nail or had an injection, and we didn't think it worthy enough to tell the insurance, because they were all minor ailments. It seems that the Tesco policy is saying 'Ok, broke a nail. That now excludes all his feet and legs from our insurance. Cut himself? That now excludes anything to do with his body' etc.

Put in a complaint. You have nothing to lose by it. Follow the Tesco complaint procedure to the letter and when that gets you nowhere go to FOS as they might decide in your favour.
It's perhaps not quite as simple as saying broke a nail as Tesco might consider that dry eye increases the chances of cateracts developing (I don't know, I'm just saying) and thats why non disclosure is serious. Otherwise I'm on your side, the T&C of contract have to be reasonable and its not reasonable that you have to report things in minute detail, e.g bought some bob martins flea treatment for dog = must phone pet insurance, is a bit OTT.
However, I dont know how serious dry eye is. It was serious enough to warrant a trip to the vet - so complain and let FOS decide - what have you got to lose?