As our dog has grown older the cost of insurance has grown ever more prohibitive. They now want us to pay £3771 per annum to insure our 13 year old Labrador. We have never had a significant claim. They exclude claims for treatment such as Hydrotherapy which helps our dog with his Arthritis. We wish we had banked money to pay for treatments required. I would advise owners of young dogs to avoid Marks and Spencer and open an account to save for potential problems.