I had my two dogs insured with M&S until their premium practically doubled.The eldest dog had a dental procedure in June costing over £400 and after numerous excuses from them and phone calls from me they have finally this week informed me my policy does not cover dental work.I can accept we cannot claim but what I don't understand is why it's taken 4 months to tell me.I have decided not to renew with M&S and have gone to Petplan on friend's recommendation, they can't be any worse.