Sadly, Sainsbury's insurance Company business model is to 'hook' you in with low start premiums and then hike them up after that to the point where it is no longer affordable or seemingly worthwhile, due to high excess payments and exclusions. It is then difficult to transfer elsewhere particularly if your pet has any pre existing conditions as these will be excluded.basically, you're stuck!
My cats premiums increased by 40% in one year. When I queried this, they said it was because vets bills had significantly increased. I had not had any claims though. In addition to this, I had moved to an apartment, where my cats had become indoor cats which lowered the risk of them being involved in an RTA, being attacked by animals or vulnerable to certain diseases. I said surely the premium should have reduced as the risk had lowered but No, they did not agree!