I have not made a claim with Tesco but after one year where costs were £21 they have now gone up to £31. This is my only issue in that nothing has changed with my dog and we have not claimed so such a big price hike seems above the 12% I have seen is what fees increase by. It seems somewhat unfair. I used them because they provided a decent service for my mum but the vets did have an issue claiming money back from them. Most recently that vet practice wouldn't provide treatment unless another well known insurer as the provider.