Hi Dilys,
Thank you for your review. We understand your frustration regarding the double excess. The way it works with lumps is that if two different kinds of lumps were found during an operation, we treat them as separate conditions as they're not medically linked. This means we'd deduct one excess for each condition, and if on a Covered For Life plan, per policy year. If the lumps turn out to be of the same type, we'd treat it as one condition so there would be only one excess.
If you feel the claim wasn't assessed correctly for any reason, please email social@petplan.co.uk with your policy number and pet's name so we can look into this case.
Thanks, Peter - The Customer Service Team