kennel Cub pet insurance - a big mistake

I' took out KC insurance 8 years ago when i first brought my two spaniels home,, it was highly recommended by the breeder and most comprehensive insurances on the market.

A huge mistake - I would never insure with them again,

Joining was easy, they telephone customer service excellent etc (which it still is). It's easy to be impressed by such a professional looking company - but this changes when it comes to renewals and claims.

despite the high premiums when i joined i thought it was worth it. But year on year theoremiums escalated far beyond what i considered normal insurance increases (i.e. like a car / home etc) In 2010 I was hit by a 70% increase in fees - along with many other owners insured with KC, but I was stuck with an 8 yr old dog suffering from. pancreatisis that no orher insurerer would take on.

Earlier this yr, due to an administrative error on their part - they had failed to collect the premium as it fell - So I was forced to pay £450 with less than 24 hours notice otherwise the insurance would have been cancelled. (a new policy was not an option as it would exclude current medical conditions). It was a real "computer says no" moment and I was horrified by their incompetence.

This week I have rec'd a letter saying that they won't cover some of the medication prescribed by our vet. This happened once before whereupon there was lengthy correspondence between my vets and the insurer and eventually they agreed the medication was in fact necessary and paid out. This time not only have they refused but are no saying that it was previously paid in error and wanting to get their money back!!!

I am absolutely horrified. They know full well that we can't move to another insurer. I shall take this up with the regulators but inthe meantime hope you will consider this and other owners experiences posted here before insuring with the KC.

The thing about insurance is that once you claim, you are stuck with that company. It was a huge mistake.