This is a hard review to write to present a balanced picture for the reader. I took out insurance with the KC 13 years ago for my labrador. I was advised they were the 'best' insurance company around. I chose the best cover I could afford and was impressed that they would offer life time cover and for a blissful amount of time I didn't have to make claims or if I had they were minimal. But the premiums kept going up and up despite not needing to claim which I never got a satisfactory response about. Now my darling dog is older she is having more and more problems and I have had to claim to the effect of about £2,500 this year. They have paid out but the 20% per claim, and the £65 percentage excess, really make the overall amount they actually pay you takes a hit. I have £5000 cover each year but as usual there are so many restrictions it doesn't truly make sense. My last renewal was approaching £2,000 and I am dreading what the renewal is going to be next month. So whether I'd recommend them I really don't know and I don't know whehter the rating I've given them is fair - hence my long posting. If I could go back to before my dog was 8 I should probably have moved her. Long-term the KC are not cost effective.
Labrador Retriever (Chocolate)