Hi all,
In June, our youngest cat needed £3k spending on him as somehow he sustained a massive hernia, probably from a car, we didn't have pet insurance as our 2 other cats, other than the odd inflammatory shot has cost us nothing over the past 8 years.
Anyway, I bought some pet insurance for all 3 cats at the end of June for £65 a month, a week later we were sent a letter stating they need the complete medical history from a vets before they will insure us with the letter very specifically informing us that we were not insured. The vets were an absolute nightmare about this, completely refusing to give us the history, stating data protection, I mean, seriously? This can't be right? They did eventually agree to giving the information directly to the insurers if they were contacted.
So, it seems the vets did provide the information, but again we were sent another letter asking for medical history, for example, for one cat they wanted medical history after Feb 2018, they weren't provided any by the vets because this was the last time he had gone to vets, again the letter specifically stated we were not yet insured.
Eventually, 6 weeks after I took out the insurance, we were sent our policy documents and finally insured, however they have the policy starting from when I initially applied and are planning on taking £150 for the first payment for back dated payments. I wasn't very happy about this, because, we weren't actually insured during this period, if something had happened, they wouldn't of paid out, so I think the policy start date should be when we were actually sent the policy documents and told we were now insured.
I contacted the insurance company, explained the situation, but they've stated as the policy has been reinstated and is not considered a new policy nothing can be done, they've even admitted we weren't insured during this period but are flatly refusing to do anything about it, we can't even cancel without penalty either.
Am I right to be aggrieved by this or is this how it's done?
In June, our youngest cat needed £3k spending on him as somehow he sustained a massive hernia, probably from a car, we didn't have pet insurance as our 2 other cats, other than the odd inflammatory shot has cost us nothing over the past 8 years.
Anyway, I bought some pet insurance for all 3 cats at the end of June for £65 a month, a week later we were sent a letter stating they need the complete medical history from a vets before they will insure us with the letter very specifically informing us that we were not insured. The vets were an absolute nightmare about this, completely refusing to give us the history, stating data protection, I mean, seriously? This can't be right? They did eventually agree to giving the information directly to the insurers if they were contacted.
So, it seems the vets did provide the information, but again we were sent another letter asking for medical history, for example, for one cat they wanted medical history after Feb 2018, they weren't provided any by the vets because this was the last time he had gone to vets, again the letter specifically stated we were not yet insured.
Eventually, 6 weeks after I took out the insurance, we were sent our policy documents and finally insured, however they have the policy starting from when I initially applied and are planning on taking £150 for the first payment for back dated payments. I wasn't very happy about this, because, we weren't actually insured during this period, if something had happened, they wouldn't of paid out, so I think the policy start date should be when we were actually sent the policy documents and told we were now insured.
I contacted the insurance company, explained the situation, but they've stated as the policy has been reinstated and is not considered a new policy nothing can be done, they've even admitted we weren't insured during this period but are flatly refusing to do anything about it, we can't even cancel without penalty either.
Am I right to be aggrieved by this or is this how it's done?
