Thought buying the most expensive insurance on the market would mean fair treatment. NO. A claim the Vet said was valid was declined by this crowd. Wish I had read their reviews earlier.

insured for a year, had to make a calm for for £350, turns down on a technical hitch, absolute rubbish.

My dog had to have her tail amputated and because the policy had come to an end and renewed they made me pay to excesses and two lots of 10% of the bill. The cost of this insurance is extremely high with high excesses and the service is extremely poor. I would stay well away !!!! disgusting behaviour from a company that is a regulator of dogs.

Absolutely horrendous company avoid at all costs

I have an 18 month old Irish Setter. My instalments increased from £55 to £66 from the first year to the second. I have a lifetime policy so this increase is extortionate. The reason I was given was too many people had made claims - well you are an insurance company! One procedure by the vet. Umbilical hernia repair, removal of testicles that had not desended and removal of wart on lip. Excess of £160 plus 20% added 3 times although this was done under one operation. Over £800 in vet fees and only £270 refunded. This took over 8 weeks to be paid. The 20% was never mentioned when the policy was sold to me. On requesting to cancel the policy I have been told I need to pay the remainder of the years monthly instalments. £550. I was also told that if I cancelled the direct debit I would be "chased" for the money but they wouldn't say quite how!!! They didn't bother to offer me a different policy just wanted the rest of the years money. Terrible company with the worst customer service. Do not use them.

I have insured my female Boxer and not claimed for 2 years, unfortunately due to an orthopaedic investigation I had to claim. On checking the policy in very small print there is mention of a 20% excess and £85 which was never mentioned by the salesman on the telephone. I have registerd a complaint and the company has not even had the decency to get back to me despite saying they would review the sale of the policy. I feel I was totally misold this policy and would not recommend this shoddy company to anybody

Our minature schnauzer has I M H A for which he needed an urgent blood transfusion as well as a week in the vets & is still having regular blood tests & medication.Despite our vet completing & returning the claim form 3 weeks on we have'nt received a cheque.Today I spoke with one very rude woman who said we have been inundated with claims & the claim is waiting to be processed.I'm also told that we shall be liable for a percentage charge as well as the agreed £85 excess which we have no knowledge of agreeing to.If anybody is considering this Company think very seriously and double check their terms.

I've had nothing other than good customer care, good communication and settlement made quickly and in full as per the terms and conditions of the policy. This is my first time with the KC insurance and my current dog had more odd illnesses as a pup than any other dog I've had. This included excessive panting which turned out to be no problem in the end! The KC insurers paid out every time with absolutely no problems. My first renewal went up just slightly and I am looking to see if there are lower premiums on offer but so far haven't seen anything better.

We've not had a problem with the few claims we've made (though it took quite a while to settle), but other companies tend to have more comprehensive coverage with comparable rates. Our other dog is ensured with John Lewis and they are much better, and our neighbour has Pet Plan and loves them. Our vet is shocked at what KC don't cover, even had me ring to double check! We'd switch but our dog had a UTI when he was just 10 weeks, still on the temp cover from the breeder so now we can't switch or he'll never be covered for any similar condition. Wish we could!

I was a little disappointed with my introduction to the Kennel Club insurance. I wonder if the people on the phones are actually part of the Kennel Club or an outsourced organisation. Either way, my view of the Kennel Club has been tarnished. Having looked into insurance, the Kennel Club insurance rang me and we discussed the multitude of options. On being given a quote, I realised that I was in a hard sell environment. The lady asked if she could ring back in a couple of weeks but I specifically said no and that I would like the quote sent to me as offered. I explained that I would review all options and compare but needed to see the quote. She agreed to send it but quite abruptly put the phone down when I re iterated my keenness to see the quote but no return sales call. Two weeks later, I had another call (this morning). Not that I am too bothered, but it seems to me that the hard sell and abrupt selling environment does not sit well with an organisation such as the Kennel Club.

I took out Kennel Club Pet Insurance for my dog, following on from a 4 week free policy received when we got him as a puppy. Having received my first renewal letter (he's now just over 1 year old), I decided to do a price comparison with another leading 'covered for life' provider, only to discover a huge difference in cost. When I rang to cancel the policy I was offered a much reduced price policy, that matched the other provider. This all seemed good, and I was on the point of continuing my cover. But here was the problem - this was no longer a continuation of cover, but was now classed as a new policy. I would therefore no longer be covered for anything that might have occurred in the previous policy year. In order to be 'covered for life' I would have to keep paying the ridiculously overpriced payments. I decided to take my business elsewhere. Looking through some of the reviews here, I'm glad I did!

I have a 5 year old staff and have always had her convered by Kennel Club. When we first had the policy it was £25 per month. now it has gone up to £43!! Will be looking at moving. Shame as the odd claim i have made has been settled with ease.

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.

I have insured my Golden Retriever with the Kennel Club since recieving the first 4 weeks free from the breeder as a pup, now he's 11 years old and my premium renewal has just come in at £165.18 a month near on £2000 a year, not forgetting I have to pay for the first £150.00 of any claim made and then they only pay 90% of the remaining costs. I've experienced 50% increases in premium costs every year for the last 4 years-I seriously don't know how they sleep at night, knowing they are pricing their customers out of insurance for their beloved pets!! I want to be a responsible pet owner with good pet insurance but in this current financial climate near on £2000 a year is hard to justify, however as no other insurer will take on a pet of his age or cover for any condition he has had in the past, they have you exactly where they want you- so what to do? Pay £100 into a savings account each month and pray for no large vets bills or pay the ever increasing insurance premium?

Have paid my Premiums since I got my dog, not cheap probably one of the more expensive Pet Insurance Companies so expected a Premium Service. That has been an utter Joke came to claim for Vet Bill in early September contacted them to be told they hadn't received the forms, sent a second set to them, contacted them again to be told that they hadn't received the forms yet again. On the basis of their performance with this claim they don't deserve one star and as for Insurance providing peace of mind maybe they qualify for negative stars, can the review centre accomodate this.

This review relates to 2005. I bought my English Cocker Spaniel puppy and the breeder told me she had wormed them the day before and they all had the runs. I was back and forth to the vets over several weeks and nothing was found to be wrong, the same was the case with the rest of the litter. The 2 weeks free insurance refused to pay out, saying it was a pre-existing condition. They kept sending me e-mails to continue insuring with them and I said pay up and i'll think about it. (they never did. There insurance was also the most expensive on the market at the time.