Any vets or dog insurance experts around?

Agree with everyone else.
I am 99% sure you will be excluded from anything urinary tract unfortunately.

Yeh it's pre existing so you're liable for the cost unfortunately.

I deal with pet insurance forms as part of my job. I would very much doubt it would be covered. Even without a 14 day initial exclusion on policy, they will say that the urine sample came in for a uti which is caused by the misshapen bladder. There won't be a way to actually argue the case because you can't actually say for certain it wasn't. I'm sorry to say if put money on it being excluded

I think some BBM policies don't have the 14 day exclusion if you are coming from another provider without a gap. However, the issue is that the uti was before the policy had started and was because of the bladder problem which has now been discovered.

The only way to find out OP is to phone and explain as they will get all the history anyway from the vets and see when you went for checks etc.

Petplan would only pay if OP was still within free 4wks or had extended that policy & premiums paid up.

It’s unlikely to be covered. Not helpful now, but you should never change insurers in the middle of a medical issue.

If the issue is congenital then it may be worth speaking to the breeder - some will help with costs of early-diagnosed conditions, though if it was the breeder who set up the pet plan insurance, they could well argue that was their way of offering support for any unforeseen medical issues.

I'm not with BBM though & they have done things a bit differently to competition. Its usually all in the wordy policy details what is/isn't covered & if has that 14 day period. Maybe speak with the vet before insurer.

It probably won’t be covered on bought by many, but as it’s 1 claim that started with them maybe pet plan will pay up

It won't be covered.

Is it a lot of money?

Agree with Biteyshark that it will probably be excluded as on your first claim they request full history & details of any other vets seen. There's usually a question about when the condition/symptoms first appeared rather than date had vet treatment.

Most policies have a 14 day period where illness isn't covered to avoid people making claims for preexisting conditions, so that 1 day probably wouldn't make a difference. I've overlapped new/old policies by 2wks when changing so they don't lose cover.

Maybe the operation won't be too expensive though and should fix the UTI problem going forward. Speak to the vet about the situation as maybe able to help with managing costs if you aren't insured for it.

P.s. not a vet or an expert but have claimed a lot for my dog.

Typically anything you have seen the vet for, even if you don't claim or even have a diagnosis, may be excluded as a pre existing condition.

Did you declare the previous uti to BBM when you switched policies? Some insurers would put an exclusion on the policy based on that.