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Thanks for the further information.
What was the reason for the claim you made?
From the information provided to me you will have to pay until the new renewal date unless the claim for your animal was in respect of death stolen or strayed. The reason you have to pay is due to fact you signed a contract agreeing to the terms. However I wonder whether you can find an insurance in spain who are prepared to transfer your policy to them and they will pay the rest of the remaining installments. Or you can ask the insurance whether they can provide cover whilst you are in spain given it's part of the EU at the moment.
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