Insurance renewal or changing insurer with a “pre existing condition”

anto135

Hi

just wondering if anyone can offer any advice or had a similar experience.

my renewal for my dogs come through, it’s gone to £49 a month from now £34 a month. It’s a lifetime cover with £4000 per condition per year.

There are however, better options from comparison sites with a better level of cover for cheaper (£41 a month with £6000 cover, lifetime policy) one with a different company, one with the same company I’m with now.

He had to have surgery on his tail early this year as there was a bump on there for months which wasn’t going away. Long story short they removed it, tested it and it turned out to be a callus (strangely enough).

I phoned my current provider and they’ve advised they can’t match any other provider or lower the price unless I change my policy, but I’d be welcome to take the new policy out with them but they obviously wouldn’t cover pre existing conditions.

What I’m wondering is that, what they likely would consider something to be related to what’s already happened with him, obviously a callous isn’t something I’d worry about or (touch wood) think would pop up again, but to say he’d have another growth on his tail which ended up being something different, how would the insurer be with this?

sheramber

It will be up to the underwriter  what exclusion  they put on the policy. 

Different  companies  could  make different decisions. 

One of my dogs had an allergic reaction which we discovered was due to eating lamb. 

By omitting lamb from his diet he had no further problem but his insurance excluded any skin conditions.