To scam pet insurance

If you are found to commit insurance fraud, the insurance company may load a CIFAS loading against you which is visible to other creditors/companies.

You would likely struggle to get any future insurance, not just pet insurance either!

How do you get into that? It sounds interesting 🫣

Having had cats and dogs for over 30 years my suggestion would be that he’s eating too much dried food. It swells when it gets into their stomach and mixes with moisture and comes back up.
if your kitten had eaten something weeks ago that had caused an obstruction then you would know about it by now and would have had a very unwell kitty.
Are you feeding a good quality food? Sometimes then can have sensitive tummies to new foods, you have to change then over very gradually.
Let the vet examine him. If he has eaten something he shouldn’t then tummy will be tender on examination, they won’t do X-rays etc unless they absolutely have to.
Whatever you do, don’t mix the cats babes up, it will cause you issues fine the line when it comes to vaccinations etc. And don’t try to defraud the insurance!

3k won’t be enough nowadays.
The insurance is likely to check.
Where I am all notes are called for from original vet when you change and if so then it will be a pre notified condition and unlikely to be covered.
In my vets they call hair tags ‘£1000 hair tags’ ( probo more now) as they cost so much to remove if swallowed by a cat. If yours is prone to eating stuff off floor you need to teach everyone in house not to leave stuff lying. I have one who would eat hair tags so they are never left.
If it isn’t due to something stuck then try a raised tilted bowl, smaller regular meals and a sensitive food ( I use purina pro sensitive for one of my pukers and it helps a lot)

If he's otherwise fit and healthy and it doesn't seem to be affecting him then I would think it's something like he's gobbling the food too quickly.
Dry cat biscuit expands in their tummy and then they end up vomiting if they've eaten too much. My cats are 13 and 7 and still do this if they pig out on biscuit!

Sorry, posted too soon - could it be something really simple like they're eating their food too quickly and throwing up - is it biscuit or wet food? Are they eating grass or throwing up fur?
Hopefully you get sorted, but it could be any number of relatively simple things so for now try not to worry about the what ifs and see what the vet says x
Good luck and let us know how you get on xx

Ordinarily you should be covered as your kitten hasn't been diagnosed with anything - not before the policy or since. Is this is all supposition.....
You took kitten to vet, general health check, check over few issues and all was deemed ok? Was kitten actually diagnosed with anything?
6 weeks plus later and kitten getting diagnosed with something is not a pre existing condition as there was no diagnosis before.
However if there WAS a diagnosis before and you were told kitten needed certain treatment/surgery and you've ignored that advice, got a policy then waited until policy established etc at the detriment to kitten then yes that would be fraud and pretty horrible of you. X

@Edingril ah ok sorry I thought it was a dig. There are very smalls claims and huge investigations for large losses and crime rings. Insurers have appetite to investigate all to degree … do we detect and prove all Fraud of course not, would this claim raise a flag ,
likely. Will she get away with it, possibly. As an animal
lover I get it too.

Did your previous vets chip her? If she’s chipped someone could see who the chip implanter was

I know I agree with you

@Edingril i don’t investigate pet insurance I’m giving her guidance on her question basic principals apply for any fraud detection …. Could they find out if she commits fraud - yes. I’m involved in investigation and intel for serious organised crime so yea thanks it’s busy.

All this, I bet your job is busy

Don’t mix up their names, that will cause problems later on. If you’re 6 weeks in your cover will have started and you are over the 14 days clause.

They won’t allow you to increase in this policy year and depending on what they find out what is wrong they might not increase the amount in future. Do they think if it is a foreign body? Poor thing, I hope they get better soon.

There is usually a clause that if your pet is ill within 14 days of taking out your policy they won’t cover the illness so I’m assuming you are now over the 14 days threshold. It will mean you will have to lie about how long your kitten has been ill for. What is wrong with them? I hope they get better soon.

As an aside after working in veterinary practices for over 20 years both in first opinion and referral practices £3000 cover is not very much. You will obviously have an excess to pay, is this your full policy or is this in your 4 weeks free that some insurers give you? I’ve now left the veterinary industry and both of mine are insured up to £12k each as things like MRIs, specialist surgeries/investigations, treatments are expensive and the costs are always going up.