My dog developed a auto immune skin disease, losing fur at an alarming rate no energy and generally very low. We thought we were going to lose him.He has needed blood tests anti biotics and steroids which has of course been expensive an is on going. I was not too concerned as I believed him to be insured, however when the vet submitted the claim it was rejected on the grounds that he had Pruitis in 2016. They have conveniently, for them, taken the view that the conditions are connected (there has to be 24 clear months before dog is assumed cleared of condition)even though the symptoms are radically different. My vet has contacted Trent Services who apparently underwrite Lifetime Pet Cover and it seems the only way to proceed is to put my dog through a biopsy to give them the evidence for the claim to succeed. I am not prepared to put my boy through this, an anaesthetic always carries an element of danger apart from the discomfort, he is suffering enough already. One pays insurance for situations precisely like this one and I feel cheated. I read the policy documents but and still cannot see how the claim failed except by extreme interpretation of the small print naturally to my disadvantage. I shall now have to apply for a loan. Please be warned.