I have had no problems previously with Sainsburys Pet Insurance but the only claim I have made since Pinnacle took over was a catalogue of disasters.

I was claiming for the care of my dog whilst in hospital and it has taken 8 months to finally be resolved, subsequent to a complaint to the Ombudsman.

I have to confess that, to some extent, I was misinterpreting the terms and conditions - the ombudsman's office clarified this and I could see my mistake but why didn't Pinnacle point this out. Instead the exchange went on for months and it seemed that one department didn't know what the other was doing. I didn't find them very professional and the claim was a nightmare. As far as claiming veterinary expenses, I have no experience with Pinnacle but the previous underwriters were always excellent in the many years I have been with Sainsburys.