Insurance policy?

I have a nine-year-old Beagle, who is insured with Direct Line...she has recently had an op to remove a large lump from her back leg and a smaller lump from her right side...unfortunately we got the news that the large lump on her leg was actually a very advanced mast cell tumour, and although they removed all they could see, her condition is terminal.

My vets did a direct claim with Direct Line (as the usually do) and Direct Line has decided they are going to charge me 2 separate excess fees (£80 each), as they pay our per condition, and as each lump is a different type, this classes as 2 different conditions.
Has anyone else heard about this? I have spoken to several different people at Direct Line  but just keep being told it is policy, and to pay the difference to my vets immediately.

I just presumed that as it was one procedure to remove unidentified lumps it would all count as one claim?!

I'd be grateful for anyone elses input!

Claire Ruston, via Facebook