I had my standard schnauzer on a lifetime policy with Axa which was costing just over £20 per month but when it came to last renewal they were putting it up to £38.60!!Unbeknown to me at the time they were getting out of pet insurance and so were only too keen to cancel the policy when I threatened to move to another insurer. The reasons they gave were "the breed of the dog, the age of the dog (6 at the time) & I may be in a high claimes area" Well I would bet £38.60 that they had NO claims by a 6 yr old std schnauzer in my area during the previous year of that policy!