My dog just tore his cruciate ligament, something the vets tell me is incredibly common. I've been paying for their top tier cover (upt to £6K in vet fees) for years and this would have been the first big claim - only to find they have a sneaky clause which caps the payout at £750. My current bill is north of £3.5K and I now have to stump up the difference.
They're preying on general public with technical clauses such as these. How is joe public supposed to know of these commonplace injuries which have such outlandish exclusions?