I was horrified when I received my renewal letter that not only had the premium gone up substantially, despite my dog not having needed to claim last year or reaching significant age (only 5 years old), but that they have now introduced a restriction of £750 for cruciate ligament repairs and advanced imaging. My other dog has needed a £2000 cruciate repair in the past so I know this is a regular injury for larger dogs. I do not feel that this company offers a complete insurance cover or value for money