Latest news with #petinsurance
Telegraph
28-05-2025
- General
- Telegraph
‘My neighbour's dog savaged my cat, now he won't pay the £3,000 vet bill'
Do you have a legal question to put to Gary? Email askalawyer@ or use the form at the bottom of the page. Hello Gary, I'm asking this question on behalf of my sister. My sister and family live on a pleasant, quiet estate. A few weeks ago, one of her cats was sleeping peacefully in the front garden, when a man who lives elsewhere on the estate walked by with his Rhodesian Ridgeback dog on a lead. The dog saw the cat, broke free from the man and attacked the cat. This was caught on my sister's front door cam. The man managed to get his dog off the cat and rang the bell to apologise. He then walked off. Long and short, the cat suffered life-threatening injuries. It is now on the mend but will have a lifelong injury to one leg. The overall vet bill is about £3,000 and while my sister has the cat insured, it will not cover this amount. The thing that has angered my sister, and indeed other neighbours who know the man, is that he's offered no financial support. My brother-in-law has twice been round to his house to discuss the issue, but the man is not interested. He simply told my brother-in-law that his dog insurance does not cover injury caused to cats. He's clearly not going to do the right thing. Does my sister have any legal recourse to force the man to contribute towards the vet fees? These are fees that were incurred by his dog being out of control and causing great harm to a much-loved family member. All the best, John by email Dear John, I am very sorry about this terrible incident. As you say great harm has been done in what must be distressing circumstances for your sister and her family. My view as a lawyer is that the owner of the dog has legal responsibility for what has happened and arising from that responsibility can be forced to account for his actions. In legal terms pets, including dogs, are chattels, which means they are an item of property like a car or a piece of furniture capable of being owned by an individual. Hence, ownership of a dog is sometimes in dispute in situations like a divorce. In this case, while it is the action of the dog which caused the injury, the responsibility is with the dog owner. It is the Animals Act 1971 which addresses liability for animal-related incidents and makes clear a 'keeper' of an animal, by definition a dog owner, is liable for the actions of a dog. So, as a matter of preliminary evidence you should first establish the owner in this case is the owner of the miscreant dog. I would say the fact he has pet insurance for his dog pins him down on ownership. Under the Animals Act, keepers of animals can be held strictly liable for injuries caused by their dog in certain circumstances. Even if the dog has not shown previous aggression or the owner did not intend harm. In this case the relevant facts and basis of the claim are: The dog caused injury to your sister's cat The dog was not under control, as it broke free from the lead and – The attack was reasonably foreseeable given the involvement of larger, powerful breeds like Rhodesian Ridgebacks, which are known for sometimes aggressive behaviour to smaller animals. I emphasise here that dogs behave instinctively, and it is the owners who should know that and manage their behaviour. In this case, the fact this occurred in a front garden where the cat had a right to be, and the dog was out of control strengthens your sister's potential claim. As well as liability under statute as per the Animals Act, your sister could bring a claim for negligence on the basis the dog owner failed to maintain control of the dog and/or damage to property as her cat is also her chattel so the dog has caused damage to her personal property. All of which means there is a legal basis for a monetary claim against the dog owner. The next issue is to value the claim. This will mean calculating all of the financial loss which has occurred, which in the main will be the vet's bill of £3,000. These losses should be set out with supporting evidence. An initial 'letter of claim' setting out the legal basis of the dog owner's liability (as above) and the financial losses claimed should be sent to the dog owner and he should be given a deadline to reply and pay up. Tell him if he does not pay by the deadline you will issue a claim under the 'small claims track' which can be done online in England and Wales for all monetary claims of a value up to £10,000. Here's the link. If your sister recovers her losses from the dog owner, she will of course have to repay any relevant part of her own insurance claim.
Bloomberg
24-05-2025
- Health
- Bloomberg
Record £1.23bn Paid Out in Pet Insurance Claims in 2024
A record £1.23 billion was paid out in pet insurance claims in 2024, helping households cover the cost of veterinary treatment for unwell and injured animals, the Association of British Insurers (ABI) has said. Dogs led the pack, making up £933 million in claims, followed by cats at £232 million, and £61 million for other pets.
The Independent
23-05-2025
- Health
- The Independent
Record £1.23bn paid out in pet insurance claims in 2024, says ABI
A record £1.23 billion was paid out in pet insurance claims in 2024, helping households cover the cost of veterinary treatment for unwell and injured animals, the Association of British Insurers (ABI) has said. Dogs led the pack, making up £933 million in claims, followed by cats at £232 million, and £61 million for other pets. The total for 2024 was 4% higher than 2023 and marks the third year in a row that total payouts by ABI members have surpassed £1 billion. The ABI said members received 1.8 million claims last year – equating to around 4,900 claims per day typically. Its data also indicates that a record 4.6 million pet owners took out insurance – a 3% increase since 2023 and a third (33%) higher than before the coronavirus pandemic in 2019. Many people acquired new pets during the coronavirus lockdowns. The average claim cost is £685, the ABI said, but some costs can be much higher. The price of treatment for elbow dysplasia, a common cause of forelimb lameness in young, large and giant breed dogs, can cost over £50,000, the body said. The average cost of care needed when a pet eats something they should not, whether it is food which is poisonous to them or a small household item, is around £4,000, the ABI said. Jonathan Purvis, senior policy adviser, general insurance at the ABI said: 'You can't pull a rabbit out the hat when it comes to paying for veterinary bills, so it's promising to see more people making sensible choices to protect themselves and their pets financially. ' Insurance provides peace of mind that costs will be covered if your pet is ill or injured.'
