Pet Plan Insurance none payer

[chinnygirl]

I recently had a pet come to me and i took out insurance for him,i took insuranc eout on the 31st march and by may the 7 th he was ill so i took him to the vets were he needed a big operation,i checked my policy and it stated that as long as the pet didnt show any illness which he did not when i took policy out and states also aslong as no claim is made 14 days after policy has commenced!! which it didnt they are now not going to pay out there looking for excuse after excuse.they have lost the claim for 3 times and my interest is going up and up on my credit card due to them not paying up SO MUCH FOR PEACE OF MIND what would i of had to do have my pet die!! please help me i was woundering if this can go to court? i have put in a complaint and this is now going to take a further 4 weeks i have been chasing this up from the 20th may now!! they just keep telling me its at the underwriting deptment for review..

[gyzmo]

Hang on. You say the policy was started on th 4th and the pet had the op on the 12th. That's 8 days. Now when they say claim is made are you sure it doesnt mean a claim arising?

I would also suggest that when they say "no sign of illness" they are referring to the opinion of someone qualified to give that opinion. For an illness to come on like that there would have been some underlying or pre-existing condition.

I think we need to have more information before a proper response can be given.

I hope it all works out OK.

[wino]

H Gyzmo I think the op is saying policy taken out 4th April and 12th May pet became ill.

[gyzmo]

yeah I see that. I'm just wondering whatthe policy wording actually says. No expert on pet insurance, but I think wording like "no claim for a condition arising within the first 14 days" would be more suitable

[wino]

I think the insurance company might have a point if the pet is being treated for a condition it was born with.

It depends if a vet had given it a check up and given it the all clear then it became ill then the company should pay out.

We really need to know what type of pet it is and what the condition is to be of any help I think.

[chinnygirl]

hi sorry got dates wrong edited it checked paper work i was so up hight when sent this..he wasnt born with the condition he has been fit and healthy until now.my pet is a cat aged 8yr.
when i took policy out he had just come to me from shelter,he was fit healthy .he started being sick i thought was stress so took him for check up they decided to run tests and found he had thyroid,

[wino]

If you claimed after the 14 days I cannot see any reason for the insurance not to pay out. If they refuse your claim then I would take it up with the ombudsman.