I'm sorry, but I know of someone who's dog had to have two hip replacements at a cost of 7500. However, I tend to think there can't be many much more than £6000. The difficulty is that if it is long term, then the cost could add up year after year. I had no idea that Sharpeis were so expensive to insure! Is this because they are so susceptible to various conditions?

I hope you get to the bottom of the problem.

Just to make sure your aware, there is ususally a 14 day 'settling in period' into pet insrance, meaning anything treated for in the first 14 days (or before ur insurance was taken out) will not be covered (now or ever). Check the 'small print' when ur documents arrive.