We have a 7yr old Cockapoo. We have never made a claim yet it goes up every year culminating in us now paying £45 a month resulting in us seriously thinking of quoting at next renew time. Our thoughts are to start banking the money saved to cover any future vet care.

My dog was insured with them for 2 years. I initially chose them based on reviews and reasonable monthly cost. This was misleading as after first year premium went up, so should have gone with lifetime cover with another insurer based on 2nd years premium. Had to stay with them second year as cover was still valid for conditions I had claimed for. Only saved for one year and wasn't worth it in long run. Made 3 claims and they paid up within a couple of weeks. I was pleased with the claims service. One claim was paid direct to vet as was in region of £3k. Poor service when I rang to cancel this year due to further premium increase. It was £10 a month more than if I went to them as a new customer! Kept on hold for ages,then girl asked me if new insurers would cover pre-existing conditions, I said 'new insurers won't, but you won't either will you?' She said she couldn't comment on other insurers and lv wouldn't cover the pre-existing conditions! So the question was misleading. Kept on hold again for a good few minutes before she came back and told me she had cancelled the policy. She had a rather poor attitude for customer service staff, abrupt and verging on rude, certainly didn't have a 'here to help' attitude.