I have been with the company for years. Livetime insurance so the premium goes up every year and the excess this year went through the roof £195 + 20% of the rest. My dog is over 8yo. The most enjoying fact is that their renewal paperwork (14 pages)is completely unclear on what the actual monthly DD payment is!! you need a crystal ball to see how much you are paying!! and on top of that - they charge £0.25 for the direct debit payment every month!! when all other companies give you discount for choosing this form of payment. Disgrace... I think the only way is to cancel and save up for the emergency. just making official complaint!