I made the bad decision to change insurer earlier this year and assumed that Sainsburys would be a good choice, although not the cheapest on Go Compare. Without me noticing they added a couple of very broad exclusions to the policy based, they say on my dogs previous medical history.
I have a cocker spaniel who 2 years ago had an operation for a lip fold infection which is fairly common in spaniels due to their soft jowls. Sainsburys decided this justified that an exclusion for 'all skin disorders' should be added to the policy so when a couple of months ago my dog needed a small operation to remove a lump on her back foot for testing Sainsburys have refused to pay out.
Thankfully the lump was benign but how a lump removal can be viewed in the same way as a lip fold infection is ridiculous, Sainsburys say they will not cover 'pre existing' conditions but be very careful as they clearly generalise as to what 'pre existing' actually means.
Best to avoid this lot in my view.