My dog was run over and they are using every possible excuse not to pay up.
In summary whatever happens to your dog they can argue that it was preventable - so be warned if you are walking your dog and he pulls away you could avoid it by either not taking him out or by having 3 leads attached just in case!
If a dog choked on a bone this is avoided by not giving him a bone.
Of course it was an accident unless they think I deliberately wanted my dog to be killed - then again I am a friend of animals unlike them.
Small print experts - I have a new dog and wont be insuring with AF