Insurance definition of an injury?

born_again

https://forums.moneysavingexpert.com/discussion/comment/81873988#Comment_81873988

The question is & OP has never answered. Is was this declared at renewal time?

As previous issues are no longer covered & if they find out that OP did not declare the issue & vet has informed them..

MyRealNameToo

https://forums.moneysavingexpert.com/discussion/comment/81873912#Comment_81873912

Because whilst the OP states "it wasnt of concern" thats not what the policy wording says. If the cause of the lump had been an injury then its certainly started the clock running. If it was a tumour or cyst then it's a form of illness even if the OP wasnt worried and the clock starts ticking.

For some reason the OP is only willing to say what it wasnt rather than saying what it was. In itself thats probably telling.

The OP probably has a Max Time policy, it's the cheapest form of Pet insurance you can buy, any condition is only covered for 12 months from the date of it starting. The next level up is max limit, where you can claim up to £X for any one condition no matter the timescale. The top level is lifetime policy where you can claim up to £X for any condition in any policy year. Again they have only confirmed that they dont have a lifetime policy but not stated which of the two lower levels they have.

When you intentionally buy a policy with more limited features to save money its hardly an "unfair term" else we'd all have to pay for Lifetime rates because you can demand unlimited time so have lost what was keeping the policy cheap

elsien

“For some reason the OP is only willing to say what it wasnt rather than saying what it was. In itself thats probably telling.”

I disagree with that. My dog had lots of lumps and bumps which we never got tested or biopsies because they were “probably fatty” and not causing any issues at the time so there was no need to take it any further for a definitive answer.

MyRealNameToo

https://forums.moneysavingexpert.com/discussion/comment/81876639#Comment_81876639

But in this case the OP has seen a vet about them having gotten worse and so will have a diagnosis from a professional not a owners guesstimate of what they are else they wouldnt have had a claim

elsien

The example I have given you is what the vet said, not simple guess work on my part . That this is what it “probably” was and it was disproportionate to do any more tests at that point in time. And to come back in the future if anything changed.

sheramber

https://forums.moneysavingexpert.com/discussion/comment/81876772#Comment_81876772

It doesn’t really matter what the limp was. It existed and then developed an infection. Same limp therefore excluded as out of time.

My dog was diagnosed with a skin allergy caused by reacting to lamb on his diet. By not feeding him lamb there was no further reaction. But Petplan excluded ALL further skin problems , regardless of cause.