Kennel club use agria and another company for third party element.
Thought they were great but never had to claim till this year and even though it costs a lot more you don't get a payout if they think you have waited too long before getting treatment. There premium without the abroad cover is in excess of £500.
You have to have. A really sick dog to get them to pay out but don't think they will pay on dogs over nine.
Species:
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It's not that they don't pay out on dogs over 9 it's that they wont start a NEW policy for a dog at the maximum age depending on the breed of dog. Their policies are lifetime, they don't stop insuring just because you dog has gone over that age.
They don't pay out if your dog dies from illness or injury once your dog is nine or over though.