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Morning All, I recently applied for a new pet insurance policy for a new dog and after a lot of chasing the company for an answer I have finally received a very poorly worded letter from them advising 'the cover will be limited to accidental external damage only'! They then go on to say 'this exclusion is non-reviewable as this condition can affect many systems and is unpredictable'. The condition is called Rickettsia and the dog contracted it in Spain as a result of being bitten by a Tick most likely. When the dog came to us we took him to our vet for a full check-up and our vet contacted Defra for some advice. They came back and advised that they were not in the least bit concerned with the condition and as a result our vet advised he is good condition and unless we are concerned by anything he would see us for our next scheduled check-up in approximately 6 months time. I am going to contact our vet and ask his opinion on the insurers stance but before I do I was wondering if anyone with any experience in this filed had an opinion please? Does anyone think this could be deemed unfair as I fully expected and exclusion to be placed on an issued policy with to Rickettsia and any RELATED condition but not a blanket exclusion for any illness at all? Thanks in advance.