Thank you. Unless the policy specifically excludes the condition or it’s not covered for any other reason, they are liable to pay out.
However what the insurance companies seem to be saying is that it was a brand-new policy when the cat got sick, you had only had it for 14 days and therefore it would not pay out the claim.
That is normal.
What they now seem to be saying is that it’s the same condition which was excluded before and therefore, its pre-existing and no policy will normally cover pre-existing conditions.
It seems highly likely therefore that the insurance company are right.
What you might want to do tell them (in writing) that unless they agreed to pay out you are measured complaint to the Financial Ombudsman Service. You lose nothing by doing so because it’s free although to be honest, based upon what you’ve told me, I wouldn’t hold my breath.
Can I clarify anything else for you?
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