Pet claim refused

smithers1981

Hi all I have policy with Covermypet, whilst on holiday my dog stayed with a friend/dog sitter, she managed to cut her leg whilst off lead there resulting in £1170 bill.

insurance refusing to pay out as she was not in my care does this sound fair?

apparently it’s in there terms and conditions.

wondering if worth taking to ombudsman 

thanks 

elsien

if your friend is a professional dog sitter she should have her own insurance. Claim off that. 

smithers1981

Not sure she is tbh 

DullGreyGuy

You say the dog was in the care of a pet sitter so they should be claiming off their insurance in the same way if you dropped your car off to a mechanic and they accidentally reversed it into a post you'd expect them to pay for the damages not your insurance. 

A quick look at their policy and the cover for vet bills includes this exclusion:

27. Any claim arising where the Pet is not being looked after by yourself or family members including but not limited to Pet Sitters, Walkers, Kennels and Cattery.

RedLipstick

Hi, this is normal, most of the insurances that I've had in the past do not cover incidents under someone else's care, the pet sitter needs their own insurance. 

smithers1981

Thanks for replies something I’d never even considered even paid £35 for vets to fill in claim form which was clearly unnecessary pet sitter doesn’t have insurance so I’ll have to take on chin 

TELLIT01

No help to the OP but assuming the person who did the pet sitting does this as a job (paid or otherwise) they need to get insurance.  I say 'paid or otherwise' as friends of mine did pet sitting for years and weren't actually paid.  They looked after the house and pets when owners were away.  Accommodation and utility costs covered by the owners.  My friends didn't have a property of their own for several years.

DullGreyGuy

smithers1981 said:

Thanks for replies something I’d never even considered even paid £35 for vets to fill in claim form which was clearly unnecessary pet sitter doesn’t have insurance so I’ll have to take on chin 

Depends on if the pet sitter is a pro or a friend and if you have any terms of them pet sitting. Generally it would be their responsibility to look after your property (pets are considered chattel) whilst in their control and they would often be liable for any damages sustained whilst in their control.