Get ready for my rant...
Now i will be as helpful as I can but I do not appreciate nasty tones in letters that are designed to intimidate you and I wont have it!
My horse recently got kicked and spent a few days in horsey hospital. The bill was 1,300 so I made a claim to my insurance co who are very well known. Firstly I got a very ****ty letter asking me to explain in writing why I had not sought authorisation to continue treatment if the bill was going to be over 1,000.00 I didnt know it would I replied - I did however tell their adjudicators the day it happened EXACTLY what treatment he was to have by e-mail, and telephone. I do not, I reminded them (having never made a cliam in the four years I have used them) have experience as to the costs of such treatment and my vet didn't say. The injury was in january - they havent paid my vet bill yet (who worked damn hard on my horse behalf) - it is still being adjuducated.
Then they send another snotty letter requesting that I give the address of the owner of the horse that kicked mine. I was alreasdy a bit peeved at their tone by this time so I advised I did not have pernission to forward that information; if they cared to tell me what they wnated it for I would ask the lady if she was happy for me to do it. I have heard nothing.
BUT MORE THAN THAT...AHHHHHH!!! On my claim form I had to put any previous treatment my horse had had - I put that the vet had come out to inspect a lump that was diagnosed as an INFECTED FLY BITE/STING, which went away with topical cream. I have just received a letter stating that my horse was no longer covered for sarcoids, lumps, melanomas etc (any kind of bump imaginable, and none of which go away after treatmnt with a cream after four days!) due to his 'predisposition'. What utter garbage. I am enraged...has anyone has similar? Can anyone recommend a decent insurer? [:(!][:(!][:(!]