I'm so wishing I'd paid the extra and gone with another insurance company. My dog has recently undergone cruciate ligament surgery on both her back legs, leaving me with a bill of over £6000.
I was aware that my 'lifetime plus' insurance policy would cover me for £6000 so I wasn't too upset paying the vet and handing over my claim form fully expecting to receive my money back from the insurance company.
I was then shocked and appalled when the insurance company only agreed to pay out £750 in total stating that there was a CAP in place on 'ANY' cruciate ligament issues.
I'd love to know where I can go to get 2 cruciate ligament operations for my dog for £750!
The insurers response to me when I complained was that as it was a common claim they had imposed the CAP to lessen the amounts of pay outs and that I might need the remaining balance of my £6000 yearly coverage amount for something else that might happen to my dog......probably wouldn't pay out on that anyway!!
In my opinion the CAP placed on the policy is far too low and I will be making a formal complaint to the financial ombudsman in an effort to force this company either to remove the CAP all together or at the very least raise it to a more realistic amount.
In the meantime please do not use this insurance company and ensure that you discuss all CAPS on any policies you may or may not take out.