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Thanks for your question. I am a solicitor in Scotland. The dog boarder is negligent here and probably in breach of contract by taking the dogs to a location that had not been agreed, even implicitly. You claim is against her. If you do claim on your own insurance and if the claim is successful the insurer could claim back the money from her. If the insurance does not accept your claim then you have a valid claim against the dog boarder. Happy to discuss further. I hope that helps. Happy to discuss further. Please leave a positive rating so that I am credited for my time.