Terrible insurance company, went to the vets as I found a wart on my dogs paw the vet said it was a wart and nothing to worry about. Changed to purely pets insurance after that I didn’t declare the wart as it was just a wart and as the vet said, nothing to worry about. 2 years later the wart had changed form and was bothering our dog took her to the vets, they removed it sent it off to histology and it came back a tumour. I tried to make a claim and they refused to pay due to it being a pre existing condition even though the vets said it was just a wart when we first presented with it. I appealed the decision, still the denied the claim. Now I’m left with a £2000+ bill which we are going to have to pay. We have decided to go to the financial ombudsman to fight the decision. So annoyed