It should be a pre-existing condition- if it was just a short burst of tummy flu, that shouldn't count. You can call your current insurance company to check though.

 

I want to change bens insurance from John Lewis to Petplan. Simply because I've heard petplan is the best and John Lewis hike the price up every year.

Pretty much all companies increase every year.

Do you need to claim for something to be pre existing?

No. If it's on your vet record it's a pre-existing condition.

If he has a stomach problem in future I claim for would I be unable to cause he has a poorly tum on his file?

It's very likely they would refuse a claim.

 

Anything that starts before the insurance.

Some insurances will not cover an ongoing condition after the first year.

Anything that is diagnosed as a condition the animal was born with including hereditary conditions.

My dog has a skin condition it was diagnosed and treated before I had a chance to put any pet insurance in place. So no insurance company will cover him for this condition because its a pre-exsiting condition.

 

these insurance companies are very cunning!....mines is a human example...been attending hospital for 27yrs with pre-cancerous cells....insurance companies take on this....how long have you had cancer? em i dont! next....bronchitis one bout.....insurance companys take....how long have you had asthma? eh?....tennis elbow,treated once by dr....insurance companys take....how long have you had arthritis? what? i am arthritic? cancerous? asthmatic? attend colposcopy every 6 months thats all. basically anything they can wriggle out of!

 

We have recently made to large claims with 2 different company's for the same pup. We had 4 weeks free kennel club insuraunce (claimed £600) but after quoting £154 a month we went for life cover with axa for £26. When we had to claim after just a month (claimed over £1k) with axa I called to warn them about having previously claimed via kc insuraunce. They said as long as its a different condition all would be fine. A new insurer would want to see full medical history upon a new claim. I guess that's why they say "showing signs of illness" or suffering from a pre existing condition. I'd call and ask.

 

Jeez! - it's not like that on the adverts. All smiles and friendly people there.