insurance question - is this likely to be covered?

[Elessar]

Not so sure I agree with JFM here-- yes dog is a chattel and if say a non pet farm animal then claim limited to value.
But do see argument that if pet is unique (in sense of loved by owner) reckon fair chance in practice District Judge will award well in excess of animal value vets bills.
Have always recovered full vets bills in rta cases -- to be fair insurers have never tried it on. Cases are rare so i am offering tentative view here. Similar to motor cases where 99.9% of time claim limited to pre accident value but if car so unique that same car/spec can`t be found then even if value say 50k could recover repair costs in excess of that.

Oh no I've started a family fued now!

His point about negligence means won't be a claim as there wasn't any.

Interesting though and I'm glad there could be some consideration given to the emotive value if a claim was being made.