12 month insurance... What do you do when your pet has a very "minor" problem?

sheramber

You don't have to tell them because when you claim they get a full medical history from your vet which will show details of anything noted by the vet.

That is when they will review whether the claim is valid or not, as you have found out.

glentoran99

What happens if you change vet?

Tunstallstoven

sheramber wrote: »

....as you have found out.

We didn't find out as such. We just never bothered putting in a claim because it was obvious what the outcome would be.

glentoran99 wrote: »

What happens if you change vet?

I believe they check the entire medical history, including previous vets...

sheramber

glentoran99 wrote: »

What happens if you change vet?

The claim form asks for details of all vets you have used.

Some say you need to supply a full medical from all the vets. Other say they will contact previous vets.

I expect it will depend on what the condition is. If it is an injury then they may not need to contact a previous vet.

sheramber

Seagull27 wrote: »

We didn't find out as such. We just never bothered putting in a claim because it was obvious what the outcome would be.

So you knew the position when you when you took out the policy but considered it worth the risk.
It is normal for fatty lumps to be left unless they grew large or change in appearance or grow larger suddenly. But only vet can tell you what kind of lump it is.

Nobody on an internet forum, no matter how 'decent' it is, cannot diagnose something on your dog. In fact any decent forum would not condone that.

Tunstallstoven

sheramber wrote: »

So you knew the position when you when you took out the policy but considered it worth the risk.

I'm not sure if you mean I knew about the lump when I first took out the policy? If so, then no - the lump was first discovered while the policy was running.

Or do you mean I knew the conditions of the policy? I didn't unfortunately. In fact, there were a few things I was unaware of, one of which was that even for the same condition you have to pay a separate excess for each different specialist you see! But I hold my hands up to that and it was my stupid fault for not going through the policy booklet properly. I seem to remember being a bit overwhelmed and stressed by it all!

sheramber wrote: »

Nobody on an internet forum, no matter how 'decent' it is, cannot diagnose something on your dog. In fact any decent forum would not condone that.

I can see what you're saying, but - using my inner eye lid example above - I think a forum could confidently tell me that that was nothing to worry about. And as for the lump, are there not forums which vets frequent? At the end of the day, we had two actual live person vets look at the lump and say it was nothing to worry about. So it's not as if seeing the vet will necessarily get you a more conclusive diagnosis.

sheramber

I did not pay a separate excess when my dog was referred to a specialist. There was only the one excess to pay.

My dog had the third eyelid creeping up due to a condition called Horner's Syndrom. She had an operation that cost £450 to remove the third eyelid.

Not something on an internet forum could have diagnosed. The best you could get is probably nothing but check with your vet. In her case it wasn't nothing.