Pet Insurance My insurance has gone up £78.11 this year £575.40 to £653.51. The only variable is that my dog is 1 year older !!! I rang Customer Services and asked for an explanation as to why the premium has increased and was told 1. They take into account that VET fees had increased. Great but my dog hasn't had any treatment from the VET. 2. They look at the breed "standard schnauzer" and look to see if any condition is prevailing that my pet might be susceptible to. Great but my dog doesn't have an existing condition regardless of the breed. When I asked what options I had to reduce the annual premium I was advised that I had 3 options 1. Cancel policy and go elsewhere 2. Increase my excess 3. Change cover level. Ooops it appears that my policy renewal date was 3 days ago. So options left available to me Option 1 Cancel policy. Option 2 Shut up and put up the cash. GREAT!!! Be very careful once you've signed up your stuck!