Accidental damage by Domestic pet Dog * you are not covered

I am sure that not a lot of people are aware of the following and would like to bring this under your attention. Might just spare you from dispair and a buck or two from your pocket! When your domestic pet dog damages your vehicle due to a rat inside the engine at night while you are sleeping and this being their reaction to get the rat out, Discovery will not pay for the damage however when not you domestic pet they will 🤔And then on another note 🤯when a rat eats away on your harness Discovery will pay for the damages which will be way more than the damage caused by your dog😳If only I knew the necessary precautions would have been done 😡 but this was not expected or planned! Been a client for many years and on Vitality diamond status, the repudiation of my claim came with great disappointment and I have lost all faith in Discovery☹️Definitely taking my business elsewhere and will take time to read all the fine print in future with competitive companies in the field - thank you