My insurance premium has just risen by 54% and the percentage I pay is now 20% on a dog that is not even 10 years old (goodness knows what it will be when she hits 10!) How can they justify this? They can't - that is the answer. My dog has a chronic medical condition, so I've now got to consider continuing to pay these extortionate charges or paying the cost myself. Very worrying. Go with Pet Plan: reputable insurers. My friend pays the same as I do, for a 14 year old dog, of the same age, also with a chronic medical condition. I wish I'd done this in the first place. Don't be lured into accepting lower premiums when the dog is young; in the long term this does not pay as I have found out for myself.