I have had my insurance since 2007 for my Border Lakeland cross. She developed a skin allergy last November I have currently made two claims of £75 and a £77 excess fee to get my money back. They take at least 6 weeks to pay the claims. They have now sent my renewal claim and it has risen from £426 p.a. to £741.33 p.a. because I have made multiple claims !!!! 2 for the same condition. TOTAL RIP OFF - STAY WELL AWAY. Got alternative quotes from 2 well known competitors and both offered less, with the allergy. I have also cancelled my Home insurance - they couldn't care less and refused to discuss other options. . . . .seems I'm not the only person who hates them