Our free KC insurance is about to run out, and we're not looking at insurance for our golden retriever puppy. Everyone seems to say PetPlan. Our quote is about £43 a month for the lifetime £7,000 cover. I've also printed out the policy docs for Animal Friends and M&S and will read through them, but a quick glance seems to suggest their equivalent policies are cheaper, about £35. But I've read lots of people saying its only PetPlan that don't put premiums up when you claim. Does anyone have experience of their non-PetPlan insurer not doing this? If so, which one are you with? The other thing people say is that PetPlan don't really increase their premiums each year, whereas others, I think a few years ago, did and by quite a lot. So basically, I'm wondering whether it's best just to go with PetPlan or if there is a better option? Thanks anyone who can give me some advice.