Pet Insurance - How Long Until You Can Claim?

fleetingmind

Use to have pet insurance for my dog until he had a op on his crutiate. Due to me being unwell and not working and massive hike in insurance premiums I had to cancel it.

He now has a lump on his hip and ear and I'm fearing it's going to cost loads. He's in no apparent pain.

If I got a new policy now how long could I wait until I claimed if I did need to get him checked out and any X-rays or ops if it did come to that?

Thanks

TadleyBaggie

Not disclosing an existing condition...sounds like insurance fraud to me.

paddyandstumpy

OP- I'm sure you wouldn't be suggesting witholding material information when applying for a policy.
In which case, when you apply for a policy and are asked about existing conditions; you'll declare the lumps, meaning you won't have cover anyway.

fleetingmind

They aren't existing medical conditions though are they? Not been to the vet. Of course if they ask if there's any wrong and not been diagnosed then ill declare it.

paddyandstumpy

Is the lump already on the dog?

If yes, it's existing.

sheramber

It is not a defined illness that is pre existing . It i is any illness or condition which is apparent before taking out the insurance. The lumps are apparent so are are pre existing.

You will also have to be honest with your vet as to when you first noticed the lumps so that he can assess and treat your dog properly. The amount of time the lump has been there will be important.

When you claim from your insurance your vet ( all vets your dog has been registered with) has to send in a copy of your dog's medical record.