Ok panic over, I have it all cleared up now
Have just spoke to the underwriting ppl and they have assured me, that this is not excluded from my policy, all it means that as a result of having a phantom in July, they will not cover her immediately for any treatment with regard to her swollen boobies, however, should she have a different condition she will be covered
If that makes sence to you all
So its not excluded!
I had noticed she had swollen boobies after her season, but, didn't really think much of it, as Jane says its common, however, when I took her for her booster, my vet always gives them a mini mot, eyes, ears, mouth, temperature, heart, when he noted that they were still swollen, he did say at the time, not to worry unless it goes on too long, which it never so I never went back. I think I got myself into a bit of a panic when I got the letter, reading too much into it, as usuall, I think I deserve an award for being the worst worrier
Thanks for all your input
Edited to add.... I agree with you Jane, I think sometimes this pet insurance proceedures is a bit iffy, not sure if I will bother next year, might do as mum and you do, put money away