Just wondering if anyone has any advice dealing with a large bill that our insurance are refusing to pay...
We brought home 2 new kittens last year and when we took them to the vets to get registered, 1 showed signs of cat flu. We treated this and understood that as the problem had presented in the first 14 days of our insurance policy we would not be able to claim for it in the future.
Fast forward 6 months and our 2nd kitten begins showing signs of cat flu. We have had £1000's worth of treatment both at our local vets and local animal hospital to check it wasn't anything more untoward as we are over cautious having lost pets before to serious illness. At the time, our vet advised that this would all be covered under the insurance and even ordered extra tests because of this.
At no point was it mentioned that our kitten had previously showed signs of cat flu, but the diagnosis came back as chronic rhinitis - essentially cat flu!
We were relived it was not anything worse and were told it was more about managing the symptoms.
A few weeks later we get a letter from the insurance and a bill from the vets as claim had been rejected due to kitten showing signs within 14 days of policy starting. I speak to insurance and assure them that this was the other cat and ask vets to clarify.
Looks like vets have just done a copy and paste job on the cats notes so the most of the notes from the original, and a subsequent, visit which make reference to the other cats symptoms are on both animals files.
Also looks like vets never read animals history otherwise our poor kitten probably wouldn't have needed all the investigations as we would have assumed cat flu!
Insurance still refusing to pay out and vets saying that there's no way they would have written down anything incorrectly. Also that if 1 cat from a litter has cat flu, they all will. Unfortunately we are not vets so would not have this knowledge.
Bill is huge, we have a baby due in a few weeks and cannot afford to pay, not that we feel we should be doing anyway. Yes our cat has had this investigation/treatment with our permission but without the knowledge that the notes wrongly show he had previously shown signs.
Sorry for length but has anyone got experience with anything like this?
So upset as the vets were brilliant when we lost our last cats.