To scam pet insurance

[serialcatbuyer]

I'm having a problem with my kitten and I'm worried he may need surgery. We have an appointment later today. It's with a new vet and I haven't mentioned him seeing a previous vet already for the same concern. He didn't have insurance at that time as I'd just got him days previously. I have him insured now for £3000 treatment costs, but it will not cover him for anything that started before I took it out. Will the insurance company be able to find bis previous record ?

I know I agree with you

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

@Blueberryancakes no he's not been chipped or vaccinations yet

@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.

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

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

I just thought he had eaten something and told the vet that at the time. They examined him and said he seemed fine and it might pass out his gut and I could wait and see if he was alright and he did seem to be. He's just started vomiting the past few days. I'm going to ask for a scan today and if there is anything obstructing his gut I'm worried the insurance company will say it could have been cover started and not pay out

I hope it is just that. I've recently started leaving dry food out for him to help himself so im hoping he is just eating too much and that's why

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!

He is just fine and zooming about like normal

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)

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!

How do you get into that? It sounds interesting 🫣

@Msmumm thank you, that's made me feel a lot better. I just started increasing their dry food intake with Concept for Life biscuits. They seem to be good quality

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!

3000 pounds for a kitten! Are you all bonkers? Almost nobody in my country has pet insurance. It is a scam! If you all stop using , your vet costs will miraculously drop. Holy heck! 3K for a kitten!!

We are picking up kittens from a rescue in 2 weeks. They will have 4 weeks insurance when we get them as part of the rehoming package. Maybe check where you got the kittens there wasn't something like that in place

I’d worry more about being caught lying than about the kitten. Personally I’d just tell the truth. I’m sure the vet would do some kind of payment plan. You won’t be the first or last person to be in this situation.

We have a fast eater and used to be sick within minutes of eating, so we now spread her food right out on a 8” flat plate and it slows her down and is no longer sick, worth a try..

Usually with a foreign body, they'll be throwing up after you've fed them and they won't be pooing.

Your insurance might have a clause, that says you can't claim for the first 14 days.

From everything you've said, I really really doubt the first vomiting was related. If you were dealing with a gut obstruction your kitten would have no appetite and would likely have some other concerning symptoms. Sounds like he's just a sicky cat.

My 9 year old cat threw up a lot as a kitten and continued to regularly throw up during the summer months every year. I changed his food several times and wet foods like Felix made it a lot worse. He's on Applaws now and only throws up the occasional fur ball.

He has recently been diagnosed with seasonal allergies, not sure if that could have been related.

I had a Birman cat who had endless fur balls. She just used to vomit them up on regular basis ie at least weekly. There are furball dry food formulae which to my disappointment didn't make them exit the other end but in some way helped the fur ball to come back up. We missed her a lot when she died but when we got another cat we went for a short-haired Tonkinese. She's just had a lot of vet appointments for V and D too every couple of days and nothing worked till I wormed her. I am pretty angry about the blood tests, the injections and tablets which I think now was totally unnecessary. At least I didn't pay for scan.

Honestly, I wouldn't risk a fraud conviction for a cat. You say you've got bad credit, so don't compound your bad decisions.

I have just made a claim for my cat. One of the questions on the form asked if we had a previous vet before our current one. So if you said no you would be lying, and they may find out.

If they discover you are guilty of fraud it is not just a case of them refusing to pay your claim. Your insurance will be invalid and you will struggle to get insurance in future.

Please get better insurance. £3k is nothing. My cat needed surgery for £8k. And get one that treats ongoing conditions with an annual spend and not just ‘X’ amount per condition.