“ Our dog was sick but more than hidden behind his T & Cs ”
How unlucky you have been to be surprised by the policy’s ugly 14 day exclusion clause. Despite my requests on your behalf to reconsider your request, More Than refused. He said if the clause did not exist, the number of claims would increase and premiums would follow.
Quite simply, this waiting period is designed to protect insurers from paying claims by the small minority of owners who might purchase coverage when they see something wrong with their pet.
It seems to me that the vast majority of pet owners wouldn’t dream of taking this cynical approach. They just want to do the right thing with their four-legged friends and take out insurance as a precaution in case they get sick. There is no NHS for pets, so it is the only sensible thing to do for owners who cannot afford to pay the often exorbitant bills themselves. I wholeheartedly support your view that this sensitive clause can act as a deterrent to change and can leave pet owners stuck with whichever provider they choose.
In a second slap, More Than won’t cover your dog for anything related to the disease he has developed if he wakes up in the future, even if he hasn’t paid you a dime for his treatment. this time. Indeed, what happened to him is now classified as a “pre-existing condition,” which few pet insurers will cover as standard. If you want to include pre-existing conditions, your choice of provider is severely limited and the premiums will be much higher.
There is one provider that I know of, bought by many, who recognizes the conundrum of continuity of coverage that you have pointed out. If a person purchased insurance from another provider before switching to their policy, the 14-day waiting period is ignored. But if a person doesn’t have coverage in place or there is a gap in coverage – even for a day – the 14-day exclusion rule applies.
You might be tempted, as you suggested, to overlap the blanket to avoid the gap. However, insurers can be funny about this if they find out you have two policies in place and may decline to pay. Even if you are successful in making a claim with the first one, the new insurer is likely to rule out the condition later.