Pet Insurance semantics

An ear infection is an acute condition which becomes healed, not a chronic condition which endures over years.
Your insurer was dishonest. Please let us know the name of your insurer so we may avoid him.

Pet Plan are the best in the business

@Caleo the insurers were Perfect Pet.
Avoid!!!

I've just found the email they sent when I queried their definition:
Please may I refer you to our policy wording definition of a 'Pre-existing condition':
Means any diagnosed or undiagnosed Condition and/or Associated Condition which has happened or has shown Clinical Signs or Symptoms of existing in any form before the Policy Start Date or within the Waiting Period.
Had we been aware of the history at the time of taking out your policy, we would have imposed the following exclusion:Ears with effect from 1 February 2020 (i.e. when I took this policy out)

Sarahcyn, Thanks. I note Perfect Pet gets a thumbs down.

FannyCornforth

Pet Plan are the best in the business

Another vote for Pet Plan. My daughter finds them excellent in every way.

I use Sainsbury Pet insurance, excellent, never a quibble.

That’s ridiculous that’s the equivalent of saying if you had a cold 7 years ago you have a pre existing condition
I d cancel that pet plan as fast as I could

£40 a month is a lot of money for pet insurance I pay just over £8 for each of my 2 cats.was less but both are 14 now so gone up due to age.but a 20% on top for treatment .
I pay just over £11 for my dog who is 7,
I am with Animal friends and they pay my vet ,which I chose to do.which means I don't have to pay and claim it bsvk.
Never had any problems with.them

About to insure a 3 year old cat. Best policy to get..... anyone know...

Another vote for PetPlan. Not cheap but the pay up. Vets trust them so work directly with them. My spaniel just had her 6 monthly bloods and health check. She has hypothyroidism. The vet claimed directly. Pet Plan paid and covers the £16.99 a month her meds cost.
I had a dreadful time several years ago. My 10 year old dog has fits, brain scans, later cancer op. The 6 year old dog suddenly developed mobility problems which worsened dramatically over 24 days. X-rays, scans, bloods etc etc. inoperable tumour along his spine. He was helped to leave this world by our lovely vet, at home. These two brief periods of I’ll health cost over £15,000. Knowing I could just leave the vet surgery without having to pay bills whilst weeping helped.

A downvote for Petplan from me. They refused to pay for my old cat stating pre existing conditions but they took him on when he was 1 so they knew all about him. I now do the same as the OP and put £50 into premium bonds each month just in case. Given that I get £25 most months on a win, I’m doing well on this system.

We cancelled our pet insurance in the summer and put money away each month for little pooch in case of medical needs.
The pet insurance companies are very sneaky with their provisos

I'd had Petplan for years but I fell foul of their semantics five years ago, when I got my rescued Rommie.

His passport says "Crossbreed", which I entered, but then I had to specify which breeds were crossed. No idea, so I rang but was told I needed to specify or guess what he most looked like. I explained he was a mongrel but they wouldn't accept that category because the passport said crossbreed.

I suppose I can understand the semantics but to me as a lay person the two names are interchangeable. If I'd just decided to put "mongrel" on the form, any claim would have been disallowed, presumably.

With Animal Friends now. Haven't needed them yet but at least the telephonic registration was in normal language.

user7777 I am quite happy with Animal friends
Be aware though that very few pet insurers pay out for dental or any mouth problems
One of my cats has severe stomatitis,and has to have injections every few weeks at £15 a time

I’ve insured my dog with Animal Friends for the past 3 or 4 years. Not had a problem with them paying out; it’s the vet’s surgery I sometimes have to chase to make sure they’ve made the claim!

Can't remember who the insurer was at the time but I discovered my cat had gingivitis and, over a period of time, had to have several teeth removed. After the initial diagnosis and first extraction the insurance paid out. But then I was refused on further claims being told it was 'dental' and 'something I could have avoided/prevented. Have they ever tried cleaning a cat's teeth?
I cancelled both cat insurances and opened a savings account to put the money into.

I consider all insurance a con. I too have a mongrel who was sold as a straight cross but clearly has a lot of another breed in her. I discovered that insurance is cheaper for a crossbreed and even cheaper for umpteen breeds.