I've never claimed before. Dog is at the vet for a dental under GA and they've rung to say the dog has a heart murmur and they think she'll have to start on medication. I point out to the locum vet that the dog's had a murmur for nearly 2 years and noone's ever said anything about medication before (he thought he'd just diagnosed it and I didn't know).
Anyway will talk to him more when I pick her up, but if the murmurs got worse and now needs medicine what happens? My excess is £70 so if the tablets are less than £70 a month will they not pay? Or do I pay £70 and then they pay the rest?
What happens in Oct when her insurance is up for renewal? Will Tesco think they don't want to insure her anymore so treble the quote to make it financially unviable? I'm guessing that noone else will insure her now. So I won't be able to shop around.
Also be very careful before cancelling any policy as many companies will not take on a dog over a certain age. PetPlan certainly have a list of "selected breeds" where cover cannot be taken out from a surprisingly young age.