Took out pet insurance last year - that was fine. But this year the renewal email went into my junk email so I missed it for a while. When I looked, the premium had increased hugely and they had also increased the excess from £60 to £60 plus 15% of any costs. I had not asked for auto renewal but they renewed it anyway. I tried to cancel 2 days after renewal, well within the 14 day period, but have been charged a £30 "admin" fee. This was hidden in the T&Cs so my fault but I'm still annoyed... thankfully saved nearly £15 per month, better cover, better excess with 4Paws.