Don't want to hijack the AXA insurance thread, so have started a new one.

As must be becoming obvious to you all, I'm looking at insurance for a new puppy. I'm also concerned about current research which shows that annual vaccinations are not so good and three year intervals are now being recommended. A friends vet now does this.

Checking terms and conditions on Petplans insurance for instance, it says that the dog has to be vaccinated annually (as well as having a dental check). I assume many other insurances will have the similar terms. Has anyone taken this up with an insurance company or perhaps had insurance claims refused due to not having annual vaccinations, which the insurance company may well do? Or do you keep quiet and hope for the best?

I recently went with John Lewis insurance, they are quite happy for you not to vaccinate, they just won't cover you for any disease you could have vaccinated against.
Give Petplan a call and ask.

It was some time ago now, but I was told by Sainsburys (who I was with at the time) that they included that incase i was claiming for something that not having vaccinations could have contributed towards. So in effect something like a broken leg etc would not be a problem claiming for cos not having a vaccination would have had nothing to do with prevention  of it.
  I would suggest you contact any potential insurers and ask what implications not keeping up with vaccinations has, as it seems alot of insurance companies try to wriggle out of paying out

Normally they just won't cover you if you dog gets one of the dieases, just give them a call about it.
I'm sure I saw one that said vaccinated to you vets recommendations. So if you vet advised the 3 yearly plan that should be fine.

I was covered by mine when my girls vacs failed as she had the puppy ones and was 7 months so was not due a booster.

My vet has had claims rejected for dogs that have not been vaccinated and annual dental checks despite issues unrelated to preventable disease linked to vaccines. Many companies now also will not cover any claim if dog is used or has been used for breeding not just issues associated with breeding ... Animal friends is one ! It pays to read the small print closely

Had a discussion with Axa couple of years ago about none after puppy and 1st year booster/3 yearly/annually. I wanted the answer in writing.
re the bottom line - seeing as most manufacturers  give a 3 year recomendation it shouldn't be a problem unless you have a vet whose ideas are still back in the 60s or 70s :-)

Further to our conversation on the phone earlier today, you requested what we discussed in writing.
After speaking to my manager I confirmed that we would assess one claim if the vaccinations were not up to date and that the condition wasn't likely to have been prevented by having the vaccinations. We would strongly advise that the vaccinations where then carried out to prevent any complications if you need to submit any future claims.
I can also confirm that it would be OK to have vaccinations which last three years instead of one so long as the vets can confirm this in writing.