Outstanding vet bill

Undervalued

Tigger1969 wrote: »

All so presumptuous in my opinion
The fact is i was paying insurance for my pet, and that insurance refused to pay the bill leaving me in deep crap
All these responses are probably from people who are employed by insurance companies lol
One poster suggested i rehome Tigger...what the hell for!!!!!!!!!!!!
Just because a rubbish insurance company wriggled out of paying his vet fees...i penalise Tigger by giving him away
Utter rubbish...does that go for any insurance which is refused?
What if health insurance refuse to pay a bill...for say major heart surgery? Does this mean that said heart should be ripped out and given away because an insurance company cant be arsed to pay!
I did actually tell the vet reception when i picked tigger up that if for some unknown reason the insurance would not pay then i couldnt pay...she said not to worry as arrangements can be made, i told her i couldnt afford much again she replied not to worry..
Anyway dont waste your time responding any more cos i came here for advice NOT to be slammed and told to get rid pf my pet

You really don't get it do you?

Yes I sympathise with the position of having insurance then finding out that you are not covered.

But....

Did you take the trouble to fully understand the scope and limitations of the policy you signed up to? I suspect not.

Did you fully exhaust their complaints procedure? I suspect not.

Did you seek the vet's help in disputing the matter with the insurer? I suspect not.

Did you then refer the matter to the FOS? I suspect not.

Did you engage with the vet's practice about how you were going to pay? I suspect not.

Have you now taken every possible step to maximise the amount you can pay the vet each month? I suspect not.

Ultimately that is why you find yourself in your current position and that is why the majority of people who have responded here are less than sympathetic.

Faith177

Tigger1969 wrote: »

I was paying animal friends £5 per month for supposed insurance, which i then cancelled when they declined to pay.
As for did i make a complaint...i spent an hour on the phone to animal friends...telling them that tiggers problem was not in fact pre existing but they still said it was...in my experience..insurance are always right even if they are wrong...be it animal insurance, car insurance, home insurance...you pay them money then when they are required to pay out they make some excuse!!

It may not be too late to put a formal complaint in writing for this to be reconsidered it is worth a shot.

If they won't dealing with the complaint then they may refer you to the financial ombudsman

Insurance Companies aren't always right that's what the FOS is there for

sheramber

You need to make a formal complaint, in writing, stating that it is a complaint. Write COMPLAINT in red on the top of the letter- yes a letter. Keep a copy.

Animal Friends will then follow the complaints procedure show in their documents

https://www.animalfriends.co.uk/existing-customers/complaints-procedure/

bmthmark

Faith177 wrote: »

It may not be too late to put a formal complaint in writing for this to be reconsidered it is worth a shot.

If they won't dealing with the complaint then they may refer you to the financial ombudsman

Insurance Companies aren't always right that's what the FOS is there for

Tigger1969: You need to do what Faith177 is suggesting. You never know, if it was not a previous issue then you are entitled to get a successful claim. Don't give up on this one!