Pet Insurance Help

Katapolt

Sorry if this is the wrong place. I'll start by saying i fully understand how insurance works, and i know there is no other way around it, but any help is appreciated.

I took out insurance for my dog in Feb 2018, she was about 1.5 years at the time.

I'm afraid i'm awaiting some important dates which is very unhelpful i know, but at the end of last year i put a claim in due to her having a skin condition caused by an allergy. The claim was to cover tests to determine what the allergy was to, so it could be prevented instead of monthly treatment that never lasted.

I found out today that the claim has been rejected because apparently the first instance of the issue was noted on her medical records as being in the first 14 days of the policys inception (i'm waiting for details of this from the vets). I understand this is tough and theres very little i can do about their decision.

I was wondering if there may be any grounds to press it further, as initially we had no idea that it was a long running issue at all, and we had thought it was a one off. It was only after the summer that the vets said due to the increasing frequency of the re-occurrence of the issue that they suggested it is likely to be an allergy, and suggested these further tests.

Is there any way i may be able to get the insurers to look into it on the basis that at the time it first appeared we had no idea it was reoccurring - and the vets notes reflect this, so surely this shows we weren't trying to scam anyone or just took out the insurance for this issue?

Any advice is appreciated.

Quentin

Whenever you are not happy with your insurance company the route to go down is a complaint in line with their complaints procedure

Then if you are not happy with the reply or they ignore you for 8 weeks you can escalate to the FOS for their adjudication at no cost to you

elsien

I don't think it matters that at the time you thought it was a one off and it has turned out not to be - the 14 day thing is standard practice for insurers.
I got caught out that way myself - new rescue dog, apparently clean bill of health, took to the vet just for a once over and to discuss vaccinations at the same time as I took out the insurance. Turned out she had mange and all skin conditions were then not covered for the next few years.

You weren't trying to scam them, but you did notice an issue around the time the insurance was taken out which you should have informed them about. From their perspective, the end result is the same.

stator

I don't think you have any grounds to claim, sorry, it's just bad luck

Katapolt

Thank you, i had thought as such. Maybe next time ill be more mindfull of such pitfalls!