Why is it when you always try to do the right thing..you end up getting screwed....sorry for choice of words but feel so frustrated !! I will try and keep it quick...but as you know..i always fail to Honey is insured with petplan...had 4 wks free when i first got her and then continued the life cover policy...good job as at christmas she was sick and bad poops. Eventually after stool samples and tests it was put down to dietary and we changed her food...being a new cat owner then we were very worried so she went to the vets alot..the stool sample being the last thing done..we paid the excess of £75 and the rest of the £220 was paid promptly by petplan When i first picked up Indy and took her straight to vets on way home to get her checked over..the vet surgery was very busy and they forgot to give me the kitten pack they had given me before with Honey..this included activating 4 wks free insurance. As alot of you know the the next week was a blur of :cryin: .........then finally...because of this i didnt activate the insurance straight away because i didnt have the form and with everything going on intended to do as soon as i could. Anyway at the end of the that first week of having Indy she had a bit of a bad tummy..put it down to change of food...dealt with that then on the friday she hadnt pooped all day..still nothing on sat..and everytime she was going into litter tray to do one she was crying out...knew she was constipated so called vets and they said as she was little to bring her in which i did...explained about the insurance..knew i would have to pay cons fee...saw the vet..he felt her tummy and could feel the stool stuck gave her some lactulose and said if that didnt work after a couple more doses ..worst case scenario they would give her an enema to relieve her. Knew i would have to cover cost of this because it had started before i activated insurance..but just wanted her to be ok so wasnt bothered. I activated insurance after seeing vet...went home and 1 hr later the poo came Now i am getting to it......rang petplan tonight as 4wks insurance is ending on the 8th..asking to take out full life cover policy...asked usual questions ...then the man asked me about her visit to the vets as it had said it on the form....told him just a little constipation..all sorted out now. When he put me on hold..i knew i was screwed...basically because she had that little bit of constipation which was connected to her change in diet..they classed that as a pre-exisiting illness and tol me they would put a clause in policy which will not cover her for 12 months in the event of her not just getting constipated again but have any problems in connection to her stomach PERIOD !!!!!! I called the vets and they told me that even if i took a policy with another company..if the company requested her records..they would have to tell them about the constipation. I feel so bloody upset and frustrated...i do everything i can to be responsible and caring towards my kitties...and maybe i jumped the gun with taking her to vets...but thats just me...and now because of that one little thing ..they will not insure me for 12 mths in relation to any stomach illnessess My only option is to shop around and see if any other company will treat the constipation as one illness and any other stomach problems separate and will insure me. I have to admit i now feel alot better informed and confident in taking care of my kitties when they have stomach upsets..and know what to do and when to go to vets and when not to. However i also know how up and down kittens can be in their first year and feel so angry that by being so concerned about Indy to begin with has now put me in a position where i may not be able to insure her for any stomach related problems for a year Feel quite upset actually.......sods !!!!! Fingers crossed she will not have any problems...but i am a born worrier !!