- Location
- Cornwall , UK
Sorry , this may be a little long and complicated x I have always used Tesco for pet insurance , they have at times been a little slow to pay up but have never refused a claim .
Last week , I got my renewal letter through, the premium had doubled , and so I rang and cancelled , then began to cast around for a better deal . I think I mentioned before that we had decided not to continue insurance for Nelly as her health issues are many and complex , nothing that can be cured, just managed as best we can .
I found a decent policy with Petplan , so rang them to buy , then came the usual gauntlet of questions which I answered honestly as I know that anything not declared could make a policy null and void . I told them about the garlic eating episode and subsequent blood tests which followed the treatment , silence on the other end , then the lady asked for our Vets phone number , told me to stay on line while she rang them to get confirmation that there have been no lasting effects from garlicgate . She said that the adjudicators would look at the policy , and that I would get a copy of the policy by e mail .
Policy came through , and to my amazement there were two exclusions , one being that they would not cover any gastrointestinal issues , the second that they would not cover any blood disorders , I was gobsmacked , Reuben was discharged by our Vet as being fit and healthy following his last clear blood test , and this was over seven months ago . I rang Petplan , challenging this decision , they said that they might review the exclusions in 3-6 months time , so keeping as polite as possible , I told them to cancel it , and informed them that I would cancel my DD which had been set up to commence in a few days time when the original Tesco one ran out . " I am sorry that you are upset about this " said the man on the phone , upset ?? Furious more like ! But the lady was not for turning , so back to the drawing board and I decided to ring Tesco again . Got a lovely man on the phone , he explained that my policy had not yet been cancelled as it was still valid until 12th October , and would I like him to see what he could do for me ? He said that because of the claim for garlicgate , the premium had gone up but if he were to quote me as a new customer , garlicgate would definately not be counted as a pre existing condition , because it was not an illness , more an accident, woa , someone talking sense at last ! He then gave me a very good quote and once more stressed that there were no exclusions , that they were happy that the incident was an accident and need not be disclosed as an illness . Happy bunny now , maybe better the devil you know after all xxx
Last week , I got my renewal letter through, the premium had doubled , and so I rang and cancelled , then began to cast around for a better deal . I think I mentioned before that we had decided not to continue insurance for Nelly as her health issues are many and complex , nothing that can be cured, just managed as best we can .
I found a decent policy with Petplan , so rang them to buy , then came the usual gauntlet of questions which I answered honestly as I know that anything not declared could make a policy null and void . I told them about the garlic eating episode and subsequent blood tests which followed the treatment , silence on the other end , then the lady asked for our Vets phone number , told me to stay on line while she rang them to get confirmation that there have been no lasting effects from garlicgate . She said that the adjudicators would look at the policy , and that I would get a copy of the policy by e mail .
Policy came through , and to my amazement there were two exclusions , one being that they would not cover any gastrointestinal issues , the second that they would not cover any blood disorders , I was gobsmacked , Reuben was discharged by our Vet as being fit and healthy following his last clear blood test , and this was over seven months ago . I rang Petplan , challenging this decision , they said that they might review the exclusions in 3-6 months time , so keeping as polite as possible , I told them to cancel it , and informed them that I would cancel my DD which had been set up to commence in a few days time when the original Tesco one ran out . " I am sorry that you are upset about this " said the man on the phone , upset ?? Furious more like ! But the lady was not for turning , so back to the drawing board and I decided to ring Tesco again . Got a lovely man on the phone , he explained that my policy had not yet been cancelled as it was still valid until 12th October , and would I like him to see what he could do for me ? He said that because of the claim for garlicgate , the premium had gone up but if he were to quote me as a new customer , garlicgate would definately not be counted as a pre existing condition , because it was not an illness , more an accident, woa , someone talking sense at last ! He then gave me a very good quote and once more stressed that there were no exclusions , that they were happy that the incident was an accident and need not be disclosed as an illness . Happy bunny now , maybe better the devil you know after all xxx
In fact it was a nice lady at Tesco told us to do this, We have never claimed.
)
and I hope I didn't just jinx us