Following was sent last October:
"I have considered the documentation regarding my dog's policy and I continue to dispute the exclusions.
Firstly, you have excluded any claims for the respiratory system. Last year repeat visits to the vets and thorough investigations found nothing wrong with the respiritatory system whatsoever. The problem that was causing me concern cleared up itself without further treatment. (name)Vetinerary Surgery rang you back in February/March to confirm that nothing was found wrong.
To reiterate, nothing whatsoever was found regarding the respiritatory system and I am, therefore, disputing this exclusion.
Secondly, I dispute the exclusion for growths, cysts and tumours because this category is unfairly broad and exhaustive. It is unreasonable to group unrelated conditions such as these in order to ensure that I cannot potentially claim for one of them in the future. I cannot claim for a condition that has been claimed for before, so it seems you are breaching your own rules as I have not claimed for these. Cists and tumours are clearly defined and distinct from one another.
*Cyst. A cyst is a sac that may be filled with air, fluid or other material.
*Tumour. A tumour is an abnormal mass of tissue.
To include 'growth' as an exclusion suggests that the author of the exclusions has no medical background or is simply trying to impose a generic term to ensure that no claims are made for either a cyst or tumour. This is unacceptable as only claims for conditions that have been claimed for before should be excluded according to your own policy details.
To reiterate, I dispute the exclusions for growths, cists and tumours until revised in accordance with my dog's medical records.
£480.74 is an exorbitant amount to pay for insurance."
I have now cancelled the policy which I realise I should have done years ago, or rather should not have taken in the first place. I could have had a nice holiday on the money saved from not having insurance. I would have been far better off in the long term to have saved the money in an ISA account. Lesson learnt.