Perfect Pet Insurance - scam

[fibag29]

Also known as NowPet.

Complete waste of money. Took out insurance for my two dalmatians, five year old female and male puppy. The puppy was really sick before Chrismas and anti-emetic injection didn't work. So had x-ray and bloods done. Thought insurance claim would go through no problem, but rejected because medical records showed puppy had been sick before. Ffs, that's what puppies do! Had similar scenario with older dog three years ago and PetPlan paid out no quibbles.

Anyone else had similar?

It's very common for insurance policies to exclude pre-existing conditions unless you specifically get a policy that includes them. Unfortunately, any kind of sickness counts as a pre-existing condition to insurers.

It's not a scam, it's what you sign up for - but it is a rubbish policy.

It is common to not pay up for pre existing conditions but sickness is not really a diagnosis more just a symptom.

Can the vet be more specific on the reason for the sickness? - if it is different from previous sickness the insurance will pay out.

Unfortunately the insurance company will argue it's all stomach related and therefore not covered - even if the reasons for sickness are totally unrelated.

This is why pet insurance is a complete monopoly. You basically need to sign up when they are a puppy and not change policy ever. Then make sure you have lifetime cover otherwise otherwise anything they had before is excluded.
Am sure there are policies that cover pre existing conditions but would think these cost ££££.
Also with a dog make sure you get £10k plus cover. One dodgy leg or cancer diagnosis and that's getting near that amount.

The cost of insurance (let alone the worry of the insurers not paying out) is a big reason that we haven't replaced our very much loved but sadly deceased Burmese cats. Our insurers back then were very fair and paid some horrific vets bills without question, but by golly the premiums were high. I understand that vets bills these days have risen to stratospheric heights, so we are assuming we couldn't afford insurance now.

Thanks to you all for replying to my rant.
Honestly didn't think "vomiting " would be considered a "condition ". Spoke with vets and guess I'll have to suck up the cost.

Very frustrating nonetheless.

Not true if you get a diagnosis they will pay up (if you are with a good company)

We have had pay outs for gastroenteritis and a separate payment on acid reflux Vomiting was the symptom not the diagnosis