I took this policy out when my dog was a puppy as it was a reasonable price and gave cover for life which was important. However in the last two years the premiums have shot up and are now £103.76 a month for this year. My dog has just turned 9 so they also want me to pay the first 25% of the claim which means that they are only covering the equivalent of vets bills greater than £1500 in a year. Obviously they don't want to cover older animals so make the policy too expensive to be practical. So much for "Cover for Life". I would suggest you don't use this company.