Took out "reasonably" priced insurance for my Golden Retriever puppy 12 months ago. Excess very high,but I chose the excess based on the premiums. This year the premium has gone up almost £5,and based on this I can only anticipate how much it will go up over the years,and so will be no different than the leading insurance provider,tho the excess will still be far higher. I have sourced better cover with a true lifetime policy with less excess,at a far lower price. I am very aware this will increase over time but I doubt it will increase more than waggel does. Feel very let down by this company who I had big hopes for. Dont believe the clever marketing-it will suck you in(pardon the pun as "suck" is a word used by Waggel as part of the aforementioned marketing hype. Goodbye Waggel-you will get NO recommendations from me.