I thought I’d update on my experience with the insurance company ‘Animal Friends’. I’ve had Tilly insured with them since I got her six years ago, paying the premiums every month. And a couple of weeks ago had to make my very first claim for an operation on her head.
Following the operation, I’ve received this letter this morning:
“Whilst assessing your claim we note that Tilly has been diagnosed with melanoma in June 2016” (she wasn’t).
“As you have taken out a non-lifetime policy we are required to place an exclusion on your policy. This will take effect from the renewal following the onset date.
“Excludes all cover on all claims with respect to Growths, Tumours and Cancers and resulting conditions with effect from 29 October 2016.
“As you have taken out a non-lifetime policy we are required to place exclusions on your policy. This will take effect from your renewal date.
“Excludes cover on all claims with respect to anything to do with Cellulitis that occurred on 7th September 2017 and Resulting Conditions with effect from 29th October 2017.
“Excludes all cover on claims with respect to Cysts and Warts from 29th October 2017”.
(She didn’t have a “cyst or wart”- I was with the vet while he made a note of that on his computer!)
Bull Terrier
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Hi,
I am with you. We had the same issue with them. My dog limped for 2 days 2 years ago. We took her to the vet. She wasn’t limping any more so vet did X-ray to see if everything was ok. It was 100% healthy dog - she had too much exercise.No hip dysplasia - NOTHING. Never had problems after that. 2 days ago she raptured her knee ligament and needs a surgery. They declined saying that she had pre existied condition... WTF????
You must contest this. Ask for written proof of the so called condition your pet never had and a hard copy. State failure to provide the same will ensue legal proceedings.