Shop around.............. Probably the worst insurer I have had the misfortune to come across in terms of appalling customer service and unjustified premium cost increases. My premiums have doubled in the past two years even though I have not made a claim. I will be moving to a more reputable, honest and non - pet specific insurer in the next few days on better overall terms. In the meantime I thought I would share my thoughts with anyone out there who is thinking of insuring a pet through PAWS & CLAWS PET INSURANCE, trading name of Ultimate insurance solutions Ltd, insured/underwritten by International insurance company of Hanover SE. Year 1 - initial premium cost is likely to be attractive, will get you through the door and all signed up. Year 2 and 3 onwards hold onto your hair or rather your debit card as I can assure you this will change. Whether you make a claim or not the cost of your insurance will go up. If you make a claim then you have the added burden of a claims history which insurers do not like and will limit your options of finding an alternative insurer if you patience expires, as mine has. Find below the pre-scripted auto response PAWS & CLAWS PET INSURANCE send out when you question/challenge premium cost increases. Do take the time to have a read through and think about how this actually applies to you in terms of justifying year on year increases. In most cases it will not. ---------------------------------------------------------------------------- PAWS & CLAWS AUTOMATED AND RE-SCRIPTED RESPONSE:- "Thank you for taking the time to leave us a review and I am sorry you are not happy about your renewal price." There are many rating factors taken into consideration when it comes to renewal. The individual claim conditions and amount are taken into consideration however the main factors underwriters use in setting premiums are; the pets age, breed and gender. Your address is also a factor. Some postal codes are rated higher than others for two main reasons: · There may be a higher concentration of claims in some areas. · Costs of vet fees can also vary across the country. · The cost of vet fees is taken into consideration as well as the number of claims in that area. Most premiums have also increased over the last few years because technology in veterinary treatment has advanced, so conditions are costing more to treat. I can see you have been contacted with regards to this query, thank you for taking your time to provide us with your feedback”