Hi
I can understand your frustration - but you really have to read all the terms and conditions of cover. My pup was only ten weeks old and had ear inflammation - before I had taken out a policy - so they made it very clear that "any" skin condition would not be covered. Of course - being a german shepherd - her ear was quite troublesome - and we were not covered in our policy. However, I found all the other quotations were the same. You really have to read it all very carefully but believe me - you really do need insurance to cover if your dog causes an accident, bites someone or even knocks a child down - and even if a dog is treated for a broken leg - it costs megabucks. My experience with LV has been brilliant - I followed their instruction to the letter - and had no problem, nothing only courtesy. Judging by more recent reviews - they seem to have taken the previous negative comments on board.