Here is a warning for anyone for anyone who insures their dog (or any animal) with “ANIMAL FRIENDS” insurance.
Brady (our Irish Water Spaniel) recently suffered a trauma injury to the end of his tail, it became infected so we ended up with a reasonably high veterinary bill. So we claimed on our insurance. This morning we received a letter from them saying that as this was a pre-easting condition they were not going to pay the claim. I have just come off the phone with them where I asked them to explain how a trauma injury could be called as pre-exiting. Their perfectly pleasant representative told me that Brady had also injured his tail in 2014 so according to their policies this new injury is pre-existing. I asked her to tell me if “according to their policy” a dog was treated after a road traffic accident in 2014 and then had another accident with a different car in 2016 would they consider that a pre-existing condition? She refused to answer.
Be aware this insurance company are more than happy to take your premiums but will then try to find any excuse, regardless of how ridiculous or tenuous to avoid paying out. The only aspect of there company that I can score them 10 out of 10 for is the sublime oxymoron of their company name!
Irish Water Spaniel