Now you've give the details I have to say I am not surprised the insurance company won't cover the cost of the treatment.

If your dog can clear the fence/wall/whatever - it is not safely enclosed on your property.

Same as a car insurance co. wouldn't shell out if you'd told them your car would be safely garaged and it got nicked because you left the garage door open.

I've never insured a pet in my life. Preferring to use the money to pay for any treatment necessary. And lucky to be able to afford to do so.

But because people who take out insurance are in the main people who fear they could not meet the cost of very expensive treatment - it behoves them to make sure they meet the terms of the small print in any policy. Or they are just throwing their money away.

A fence that would be considered secure would be a fence or wall that would be too high for your particular breed of dog to jump. My min pin could not jump a 6ft fence but my former GSD could have.

Not rocket science. If the dog was aggressive and leapt the perimeter and attacked someone - there would be no defence there either. It was not securely contained.

Thanks for all your replies, firstly I agree that the onus should lie with me,however my dog was playing, in the garden with my fiancé and kids, so would not be tied up, secondly yes she jumped the wall, which she knocked down I had no idea she could jump that high, as she has never done it before.
Also when the vet checked the policy they were happy she was covered and started treatment, tbh if I was paying there are a few things I would be dubious about paying for.
Her policy isn't that cheap, we researched it and decided this was the best one for us . We will be appealing, not that i'm hopeful, but if not we'll have to arrange a payment plan with the vet, and cancel our wedding, but she's doing really well, and i'm extremely grateful for that,
Danielle xx

Good luck.Really hope you win your case and don't have to cancel your wedding xx

That's not strictly true - if you can prove beyond reasonable doubt that it was your considered opinion (based on practical experience) that your dog/s cannot clear your perimeter, then unless the insurance company in question is not a very kosher one, you will be covered.

We very easily convinced our insurance company that beyond reasonable doubt we had no idea that Ben could clear our perimeter - based on the fact that dogs we had owned previously of a similar type but even more athletic had never done or even attempted to do such a thing.

If I were the OP I would definitely take this up with the insurance company!

Very best of luck Danielle - please refer to what I have said about our dog Ben. On the surface it sounds to me that you have an argument - I have no idea of course how long you have had the bitch, but presuming it is more than years and covering adulthood, not just puppyhood, then I would think that you would be covered - am I right in thinking that she managed to scale the perimeter as it were BECAUSE the wall fell down? In other words, she jumped at the wall, it subsequently fell down, therefore she managed to escape? If that is the case, then very definitely you are covered on your insurance - either doggie or house or probably both!

That's not strictly true - our insurance company accepted that we could have reasonably assumed that our perimeter fence was Ben proof, based on our previous experience of similar dogs but even larger and more athletic than Ben.

just true, what else to say?

I had a fence around the garden where I used to live, when I had my GSD
absolutely secure for him for not to get out or jumping over it
but now with my mini dog
that fence were never been secure for her, as she had just could easily slip through under it, where the other were been to big for

yes the wall was standing, and whilst jumping she knocked it down, thus aiding her escape.
I really do understand the posts that state the onus should be with us, but I was convinced she was secure and took all reasonable steps to ensure this i'm just a little bemused as the vet assured us the policy would cover it

Danielle xx

House insurance covers you for third party claims. When I had Star for four weeks, she ran out when I was taking the kids to school and damaged a 4X4. She was fine but did £800 to the car and, after asking a few questions, the insurance paid up fine.

Hope your insurance pay up. I'm with Animal Friends and I'm obviously very interested in their attitude towards their customers.