A Costly Delay
When Pamela Hay's dog Buddy fell seriously ill, she didn't hesitate to pay the £997 needed for his treatment. However, due to a delay in submitting her insurance claim, Pamela ended up losing the money.
A Painful Diagnosis
Buddy, a Bichon frise and Lhasa-apso cross, was diagnosed with pancreatitis, a potentially fatal inflammation of the pancreas. He required extensive tests and treatment to recover.
Missed Deadline
After three days in the clinics, Buddy was discharged and sent home to recuperate. However, Pamela didn't submit her insurance claim within the 90-day limit, resulting in the claim being denied.
A Fight for Fairness
Pamela believed the denial was unfair since Buddy's formal discharge from treatment was actually within the 90-day timeframe. After intervention from a consumer champion, the insurance company decided to honor Pamela's claim.
A Partial Victory
Pamela received £463.70 from the original claim amount of £997. While she didn't get the full amount, she was relieved to receive a significant portion.
The Importance of Timely Action
This case serves as a reminder not to delay important tasks like submitting insurance claims, as it can have costly consequences in the long run.
Getting the Resolution You Deserve
If your insurance claim is rejected and you believe it was unfair, you can make a complaint directly to your insurer. If they refuse to budge, you can escalate the complaint to the Financial Ombudsman Service for further assistance.
Remember, taking prompt action and advocating for yourself can make a difference in getting the resolution you deserve.
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