Our terrier had a very small skin mark, not much bigger than an extra nipple when she was seven. The vet said not to worry about it and it actually went away. Four years later a lump appeared which grew to the size of a small grape, it then deflated leaving a small empty sac of skin. It refilled later and grow to the size of a small potato.
This was the first time it bothered our dog and we had it removed. Direct line said "pre-existing, hard luck because in 2012 you weren't insured with us" Now they think I am going to pay almost £1000 for next year's policy, what would you do?