Upon receiving my seven year old labrador's renewal documents today and noting the £720 cost with £100 excess and 20% vet fees contribution, I decided to shop around (something I wish I'd done years ago.). I actually found the same policy with Pet Protect online for nearly £500 less! Given we have only made one claim for conjunctivitis in five years I was really shocked which turned to anger when I rang to question this and was told that I should take out the policy online. This is the fourth dog I have insured with this company over a period of about 17 years but clearly loyalty means nothing. I have now found a better policy for a fraction of the cost.