We opted for M&S based on their reputation and initially very reasonable rates. However my pet insurance costs 4 times as much as my car! £125 a month for a 6 year old boxer. He does have a few health problems but we often don't claim for everything anyway. We are almost at point of not insuring. I have been told that a company is not allowed to increase premiums due to claims? They do with claims but take a long time - last time it took over 10 weeks to receive cheque.