I was left with an £8,000 vet bill when my insurer cancelled my pet policy
Summary
Kim Watts faced an £8,000 vet bill after her pet insurance policy was cancelled without clear warning, leaving her to pay for her dog’s treatment herself. After appealing to the Financial Ombudsman Service, she recovered the costs, highlighting issues many pet owners have with rising insurance premiums and claim disputes in the UK.Key Facts
- Kim Watts’s pet insurance with Purely Pets was cancelled without proper notice, leaving her with an £8,000 vet bill.
- The dog, Darcey, needed treatment for a crushed disc after being attacked by other dogs.
- The insurance company initially confirmed coverage but later cancelled the policy without informing Watts in detail.
- Watts appealed to the Financial Ombudsman Service and won, getting reimbursed but still paying £900 for legal advice.
- Pet insurance premiums in the UK rose by 15% from 2022/23 to 2024/25, then dropped slightly.
- Many UK pet owners face issues with rising premiums, claim rejections, and limited coverage.
- Some pet owners choose to save money monthly instead of paying for insurance.
- Complaints to the Financial Ombudsman have increased as more people contest insurance claims.
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