I had previously taken cover with other insurance providers, and although we had never claimed the premiums rose year on year. We changed to Vetsmedicover last year after a friend mentioned that she had taken out cover with them. Last month our dog underwent surgery for a cruciate ligament injury, without the high level of cover we would never have been able to pay for the treatment ourselves, which is actually quite worrying. Vetsmedicover paid our vets directly, and we covered the excess... such a relief! Our renewal has just arrived, and although the premium has risen, which I would have expected due to the claim, it is still cheaper than a new policy with some other companies. As our policy will continue to cover for any other treatment with regards to this injury, we are very happy to stay with Vetsmedicover.