I took out and paid for (nearly £30 per mth) a high level of all round cover, Life Time Pet Protect Dog Insurance, for my pup when it was 3 mths old; I wanted to be sure that all eventualities were covered, including excess, vet fees and so on. I was quite prepared to pay what was a largish sum compared to other providers for full cover. Completely unforseen, I had to claim within the first year. On the yearly renewal I found the premium went up by some 30% to £39.50 per mth. In addition to this, the vets fees contribution rose from 0% to 30% and the excess rose from £0 to £75; these would be considerable extra costs to bear should vet treatment be needed and the excess might mean I didn't even bother claiming on the insurance. What really annoys me is that I went to such trouble in the first place selecting this company and paying for 0% vet fees contribution and £0 excess but it seems if you dare to claim they just write a big fat pay cheque back to themselves for the future!! Seeing as how my claim was for an unforseen 'one off' I really don't think I will benefit from Pet Protect in the future - I might as just well move to a different provider at £12-15 per month