I have been with MoreThan for 8 years. My dogs are now 11 and the premium for one of them is now £2050 a year (for an annual policy limit on vet fees of £3000). I am thinking of discontinuing cover with premium at this level. Looking at other sites, I don't think this is outrageous. Insurance for dogs is expensive and, if I have a dog again, I will put the money aside each month, rather than buy insurance. However, I have had a good experience with MoreThan when making claims (2 or three times for each dog). The main issue I have had with them is that they got the claims history of my two dogs muddled. Perhaps understandable when their names are similar, same date of birth and same breed....