Direct Line are just out to make money. They lure you in with an initial low price and then hike up the price. My 6 year old cocker spaniel started at £15 per month by the time she was 10 years old and had been diagnosed with a very slight heart murmur it cost us £80 a month!!! Do Not recommend using them!!
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They start earlier than that.
Just had renewal offer for my 2 year old terrier; an increase of 40% !!!
Only been to vet for annual vaccination.
Gone to Asda; £3 month extra but is for "lifetime" cover.