We have been with M&S Pet Insurance for our 2yrs old dog for the past year paying £172.08. With no claims the renewal premium just received is £223.80 - a whopping 30% increase. I rang thinking there was a mistake. Apparently not but the quote was immediately reduced to £201.48! Still a 17% increase. I don't doubt this is a good policy and trust there would be no issues should there be a claim but it does seem, like others, they take advantage once sucked in.