We took our springer spaniel to the vet 10 months into the policy because he had started limping after his walk. They refused the claim advising that the vets notes indicated that we had said we had seen him limp at some point over a year before. We never said that and had never had him at the vet other than for inoculations. They said we needed to take that up with our vet.
Raging as the bill for the treatment was over £600. Basically they advised that the vets notes were basis for rejecting the claim even though we had never said anything like what was written.