I have just received my renewal quote, which is £307 per month up from £149 last year. My dog does have ongoing health issues, including diabetes, and is nearly st the £8k cut off. The excess has gone up from £75 to £150 and from 10% to 20%. I will soon have to pay for the insulin and needles at £150 per month on top of the premiums and excesses. I am seriously considering cancelling the policy and banking the premium costs. I would advise you to choose another insurer.