I took out a policy for my year old Chihuahua and, despite not having make a claim the next annual premium went up by nearly £60. I was told it was because they have to increase the amount as an animal ages (my dog went from being one to Two years old!), so what will it be like when she is five, or seven or ten? I'm going to see if I can swap over to another company such as Pet Plan as my cats premiums actually reduced in the second year, despite a large claim.