Yes, if your pet does more than breathe before you took out your policy it will be “a pre existing condition or clinical sign” don’t be fooled.... I only gave 1 star so I could leave a review, a minor cough, some minor diarrhoea, minor ear infection, common urinary infection, bout of sickness, a limp....they will literally find any excuse to not pay out... apparently they’ve advised me you have to tell them every time you have been to the vets which isn’t part of their annual vaccination? They will then add a clause to your policy that anything! And I mean anything linked to that vet visit isn’t covered.... so a cough, diarrhoea, sickness...you name it, they won’t for example cover ‘digestive’ related problems in the future. Now I’m a reasonable person, I have 4 dogs and have only ever made a claim on pet insurance twice in ten years (obviously NOT with this ridiculous company) my dog who’s nearly ten had a common UTI over 6 months ago which cleared up after 3 days with antibiotics, no issues since, she was rushed in as an emergency 6 months later as she couldn’t urinate, she had surgery which removed 50 tiny stones from her bladder, an overnight stay and a bill of £2500.... very relieved to say she’s doing great! However they are trying to link a common UTI which occurs commonly in older female dogs and is stated in veterinary research that a uti can be a sign but cannot be solely relied upon to diagnose bladder stones... I have undertaken much research and sought advice from numerous vets who confirm a common uti could not be linked to these bladder stones 6 months later without her suffering some sort of urinary issues during the past 6 months, it’s not possible.... my advice is, if you are considering changing your policy to this company do not expect them to pay out if your beloved pet unfortunately needs veterinary treatment because they scrutinise your pets medical history and find something to link it to. I can’t bare to think how many pets have suffered and been put down due to this unscrupulous companies decisions and heartbroken owners who can’t afford to pay because they won’t cover the cost... don’t do it! I have made a complaint to the financial ombudsman, which by the way costs you nothing and is easy to do, however due to the current climate this may take some time.... I have one of the more expensive lifetime policies which obviously means nothing, I’ve made my complaint to them and they have given their ‘final decision’ so the battle goes on..... Just don’t do it please!
Reviewed on: 13th November 2020
