Sorry this is not meant to be a morbid post.  When I insured my new puppy with the Kennel Club  recently (I have another dog already insured with KC) the nice man asked me if I wanted to insure against death as I hadn't with my other dog and so I said no.  I got to thinking though how on earth would they pay out anything like the huge sums we are having to pay for puppies at the moment, or do they just make a donation.  As I said - I just wondered!

Do they cover for death for any reason? When you insure they ask what you paid for it and I guess they work out the value of the dog according to age at the time of death? Maybe a question to ask the insurance company direct. Have to admit in never even thinking about that point, don't think any of my dogs which are insured I've covered for death as its inevitable they will die at some point

Usually they'll cover the price of the puppy up a certain limit - usually £1000 maximum.

They usually ask the cost of the pup and pay the same out. But with the hike in puppy costs that may be different now. They usually only pay if the death is an accident too not ill health.

I think it depends on policy.  My first weimaraner had some severe issues following a botched spay .  Her policy would pay out purchase price if PTS on vet advice . My vet (not the one who wrecked her spay) gave me the option at one point and said would sign her off on welfare grounds if we did not want to put her through remedial surgery.

(we went for the surgery and although not perfect she was happy and well enough to live a good life)