I had a policy for over 10 years. Churchill happily took my money every month and raised the premium every year. I stayed loyal. Upon my dog needing emergency treatment, Churchill refused to pay out stating as the dog hadn’t been kept in a drip overnight the treatment wasn’t an emergency? The vets were as stunned as we were. This was with covid rules, the vets full, the dog kept home over night for emergency splenectomy the next morning. The procedure was an emergency to save his life. Unfortunately, the cancer was spreading quicker than realised and we lost out 13 year old family pet. Then had to find the money to pay for the treatment. And still Churchill are trying to claim off us for an unmade monthly payment! Never again will I use Churchill for any type of insurance. My family have also since cancelled policies with them. Pay for your expensive tv adverts with my policy money.. I no longer day .. yes

I would not recommend Churchill pet insurance if you feel that your pet will live more than 11 years of age or you may have to have your pet put to sleep as you will NOT be covered by this policy on its death, nor will you receive its purchase price. If you could be bothered at this stage to get a vet to prove that euthanasia was applied humanely you may get a token payment of £70.00. Also a 20% deduction in your cover will be applied to any claim of an older pet despite your premiums being increased year after year. Our dog lived until 17 years of age and we made only 2 claims in its life time. Obviously as your pet gets older certain illness will incur and thats when you need the cover so I would not advise this policy.

My dog had to be put to sleep with an unexpected ruptured spleen which was beyond repair, alongside pain relief and scans the bill came to £765,churchill refused to payout any amount owing to a pre existing condition.. 7 months previous!! Whereupon she had a lump on her leg where she received medication and the lump went down. How they relate the two is beyond any belief! Case will be forwarded to the ombudsman, whereupon sanity should prevail. I used Churchill for many years with no problems but in the last few years, as many others have said.. Definitely one to avoid.

Once and only once my cat & dog reached over ten years old they wrote to tell me that a 20% Mandatory Co-insurance now applied. I can go elsewhere but existing conditions would be excluded. I completely missed any advisory note informing me of the co-insurance & feel utterly furious about it. Dog has just had cruciate repair & cat, after an emergency over-nighter, many tests, ECG, scan & cardiologist consultation, has IBD. As a result of Churchill's Mandatory Co-insurance, I am hugely out of pocket & still in debt to my poor vet. Had they made their Co-insurance intent clearer when I still had the option to change insurers, I would have done so in a heartbeat. During a heated discussion about the co-insurance I suggested that I may apply a co-premium to them but was advised that my policy would be cancelled. I would not choose Churchill Pet Insurance again & I would actively discourage anyone considering them.

Rang Churchill and said my cat is ill and asked what would happen. Churchill replied that they will only pay £500 for initial treatment and anything else is out of our pocket!! Read your policies if you are with them Do not go with this company, I am paying £13 a month for this, avoid!!

i was unfortunate enough to have to make various claims throughout the lifetime of my dog but on each and every occasion Churchills response was excellent and pay outs made within timescales and without question.The staff who dealt with each of my claims were caring, compassionate and extremely helpful. Unfortunately my claim limit was £3000 which did not fully cover my final claim after serious illness suffered by my dog. However I was fully aware of this and policy limitations beforehand. It's a pity that Churchill do not offer more extensive cover as I would have no hesitation in choosing them again

I feel my policy was misold &very misleading We have had 2dogs over 46 yrs & made very few claims wehave never had any problems with pet plan or tesco However when our dog had skin problems I contaced Churchill advice line I was informed we were not covered as our policy only covered emgergancyS I asked for definishion of said Emg &was told dog would need to have had an accident To date after several b tests X-rays the cost has been £523 and is on going as she now has diagnosis of cushions disease & will need medication long term We feel the policy was useless &feel it is is very important that consumers are aware of situation Ihave made a complaint &felt stat were very polite &professional but to date have not had the call from managemtI was assured I would recive asap

Rang to claim on my dog.Was told they would email me a form out but that may take two days. (Why for an email) hadn't arrived so I called them at 6pm on Friday.They close all weekend.Although they can happily open to sell insurance at other times Net result is i have to pay for treatment and claim back I guess.why it takes two days to send an email I have no idea.

Took out insurance on my king charles spaniel,thinking my dog was insured paid for three years then when his leg had swollen and painfull took him to the vet,he was x-rayed, put on tramadol, and anti inflammatory tablets.Vet still could not make a diagnosis,sent claim to Churhill who refused to pay out as it was not an emergency,the dog had been in pain and taken right away to vet,what do they class as an emergency. Had to pay £800 this policy is not worth the paper it is written on, I am not even sure it's legal. The company the size of Churchill need to look into this and pay out.

My cat tore a ligament in her knee and needed urgent treatment costing £520. Within 2 weeks of making a claim Churchill paid the full amount less my £55 excess. Their customer service is very efficient and my calls were answered within seconds. The monthly premiums are very reasonable at just £5.70pm and I have recommended Churchill to all my friends.

HAD THE PREMIUM POLICY FOR MY DOG FOR FOUR YEARS. NEVER CLAIMED A PENNY. AS OUR DOG HAD TO HAVE DENTAL TREATMENT THAT AMOUNTED TO £300, CONTACTED CHURCHILL. THEY SAY DENTAL WORK ONLY COVERED IF DOG IN ACCIDENT. THE WOMAN ON PHONE COULD NOT BE BOTHERED TO DISCUSS IT, JUST SAID THAT'S HOW IT IS, FEEL FREE TO CANCEL POLICY... RIP OFF111

My dog had to have his tail amputated as an emergency over the August bank holiday. He was on a morphine drip and very ill. He had to go to the emergency vets over the weekend as there was no way I was qualified to care for him at home. Despite letters from my own vet and the emergency vet, Churchill refuse point blank to pay out for this hsopitalistaion as in their opinion, it wasnt essential. As far as my vet is converened it was the emergency vet or a dead dog! Do not use this company,they make every excuse possible not to pay out. They pay the absolute minimum they can get away with. Steer clear.

We took out our pet insurance with churchills as we "thought" they were a repitable company....WE WERE SOOO WRONG!..When we took out the policy, we called to confirm that if our dog became ill we could make a claim, this due to being ripped off a few years prior with our old dog. They said yes this is the policy you need. We are now in our third year, having stayed with them, paying £35 a month. Our dogs legs were buckling under him and he was struggling to breath, so we took him to the vets. He has been on 5 differrent tablets, had many blood tests done, loads of xrays to name some of the treatment he needed. We called churchills and they said we were only covered for emergencies!...What a joke! This is not what was said when we took out the policy years before. We are now in legal proceedings, as we feel they have missold this to us. So far we have spent about £1000. IF YOU LOVE AND CARE FOR YOUR PET, STAY WELL AWAY FROM THEM!

I recently made a claim regarding my dogs shoulder!! Churchill initially refused to pay stating my dog had previously had a previous condition for his leg. This was a condition relating to a puppy which had cleared up. My vet sent a report disputing their findings stating his condition was bursitis in his shoulder. Churchill then accepted this but then refused to pay out because in previous vet notes there was mention of a stiff elbow!! Something which was never treated nor claimed for. Churchill's basis is that my dog must have had bursitis in his elbow at the time which is somehow linked to his shoulder!! This company will look for anything to get out if paying up. My vet states you cannot get bursitis in an elbow. I will be passing this on to the FInancial Services Ombusman but i won't hold my breath.

Extremely helpful customer services - recently found problem with my policy which had accidentally been cancelled by them some time ago, they let me back date the policy and pay the full premium and make a claim immediately - can't say fairer than that !! (although they had cancelled the policy by mistake, I hadn't checked my statements either to see that the money wasn't being taken from the account by DD). In all although they don't cover as much as other more expensive companies I would certainly recommend them as a very good honest insurance company (which it seems that many aren't and will try and wiggle out of paying you)

I had been with Churchill for 11 years, my premiums suddenly went up 280% in one year, even though I had not made a claim that year. I understand that as my dog was now 13 that the chance of making a claim is higher but the premium increase was almost threefold and an astounding jump in price. I am going elsewhere for my insurance