Vets fees - insurance payout

[Landcruiser]

I would really love another dog BUT today’s outrageous vets fees terrify me. Someone I know had to eventually shell out £27,000 for their Labrador to find out why it had blood in its urine! What worries me is that the pet insurer won’t cover a large fee and then your finances are done for. Has anyone found this happen to them or did the insurance company always cough up?

I have read the whole thread but I thought I'd just address the original post again. Sentence by sentence.

1. "Today's outrageous" vet fees - yes, private medicine is expensive. Yes, many vets are owned by corporations. Yes, prices have gone up. BUT, there is so much more high tech diagnostics available, a vast choice of treatments, and people want the best. Shop around!
2. £27,000. - More fool them if it's true. I can't even imagine how they could do that, given the diagnostics and treatments available, and the cost of those things. also "had to." Did they? Who made them?
3. The pet insurer will cover up to whatever your policy limit is, as long as your policy covers the condition. Read the small print, check the exclusions, and check with them first.
4. Lots of people have found themselves not covered by their insurance, or exceeding the limit. That's why you need deep pockets and/or very good insurance before you get a pet. Vets are not responsible for subsidising your pet, and neither are insurance companies.

But given that others have noted that this question keeps being asked by the OP, I think I'm wasting my breath.