Our dog had a leg condition that required a new hip joint as a young puppy. This was a substantial cost. However there has been no flair up since the operation c.7years ago. However what started as a £360 policy, has now a renewal quote of £2300+ per annun. The latest increase is over 15%. When i called, they said its because our dog is getting older... i regret not leaving last year but we certainly wont be renewing, Even an expensive policy that takes existing conditions will be under 1/3 of our renewal.