Cat Insurance help!

[johnnycastle]

Can anyone help? Sixteen year old cat has got very thin over the last few months and has been sick quite a bit. She wee'd on my bed twice this week ( while I was in the room ) Saturday was the last straw, so DH and I took her to the vet. He wants her in tomorrow to be sedated and given blood tests as she has an enlarged kidney and possible hyperthyroidism.

Now for my dilemma..... Have been paying insurance (E&L) since we got her at 7 weeks old and have never claimed. Looked up insurance policy still sitting in my inbox, only it wasn't the usual policy but a letter saying that they were cancelling policy as I had missed a payment. Santander had cancelled my debit card in August when I was abroad, as apparently my account had been compromised, whatever that means. AIBU to think that they could have phoned me before cancelling?

Does anyone have any idea how much treatment would cost if insurance co won't reinstate her policy?

[EnlightenedOwl]

To be honest E & L are the biggest wrigglers to avoid paying out - quick Google search will back up my point on this so may not have been much use to you.
I'm not sure about cost has vet given you an estimate?

[johnnycastle]

No I have no idea how much treatment will cost. I will call insurance company first thing. Thanks for the reply.

[Lonecatwithkitten]

I am afraid there are several very good reasons E&L are know as Evil and Lying by vets. Dig out your policy check every last detail to see if they have broken the contract, if you can't get them to relent go to the ombudsman and complain.

[johnnycastle]

I called them back and managed to get insurance policy reinstated.

[cozietoesie]

Well from what others have been saying that's a result. (Assuming they pay for her treatment and don't wriggle out of that somehow.)

How is your girl doing?

[johnnycastle]

She's been fine today, she hasn't been sick (yet) but not allowed upstairs any more so I don't know if this was a one off or not. I'm not chancing it!

[oscarwilde]

Check your small print and get it in writing that they are not treating the insurance policy as a new one. You may have an exclusion on serious illness for the first 6 months.