My little dog was hit by a car after getting out the front door whilst I was leaving the house. I didn't see her sneak out as she is small and black and it was dark. Long story short, she was taken to a local vets after being hit and as she is microchipped the vet was able to get hold of me. She needed pain relief and scans and an overnight stay at the animal hospital and in total I paid out just over £1,300. I have just had my claim declined by Animal Friends due to an apparent breach of the policy General Conditions - my dog being off a lead on a "designated road", and because I did not take reasonable steps to ensure my pet could not escape. I personally think this is unfair and unjust. To my mind, this was an unfortunate accident (my dog has never escaped before in the 9 years I have had her) and my claim has been unfairly declined. I have been paying pet insurance for years and never made one single claim. Perhaps I should have just put the money in the bank for all these years instead. I have put in a complaint to Animal Friends and I will update my post if the issue is resolved without the need for me to contact the Financial Ombudsman Services.......