I’ve had two claims in 8 years with purely pets, totalling less than a £1000. My payments have always gone up a little bit each year but this year they went up by over £30 a month, making it nearly £90 a month. My dog had to have an operation to remove the folds in the lips at the sides of her mouth as she has ulcerated dermatitis. This has been fixed and won’t come back, but according to their customer service agent it could, hence the hike in my monthly payments. They also claim she has an ongoing problem as after having an X-ray when she was a puppy, they discovered her left hip and right knee didn’t fit in the socket properly. She’s now 8 and still runs like a greyhound. The vet regularly checks it every 6 months and has showed no concern. Customer service agents are like robots and show no caring attitude or initiative. Suffice to say I’ve cancelled my insurance and gone elsewhere. Not that they care as they’ve already had several £1000’s from me over the years.