Strangely enough Petplan with whom I insured my 3 dogs at £80 a month weaseled out of a claim by saying the paractitioner was not qualified, He was , then found another spurious reason not to pay out.
I changed to a cheaper insurance comapny working on the logic that if it is a big amount there should be cover and if not I have wasted less money. If I had banked the premiums there would be an illness fund of nearly £5,000 with accumulated interest should I ever need to pay anything. I am of the opinion that all insurance is now run by money grabbing induividuals who will avouid any payout if they can. It didnt use to be like that. I know because I worked in the industry. Long gone are the days of "my word is my bond" I am afraid. Now its just ill informed and ill educated telephonists who cannot be bothered to take calls or respond to emails but will get hold of your money of they can. Petplan still after nearly 4 months have not responded to a series of emails asking them to provide details of why they rejected the claim. What waste of money that was.