I await my renewal in February with interest then!! I have never claimed either so will be interesting to see what happens

Goodluck ref the price not having a massive hike!! xx

I've just taken out a new policy with PetInsurance.com...it's costing me just under £22 per month for my two dogs and they're covered for life, - £10 cheaper than with my previous insurer for exactly the same cover.

Due to my M&S premium doubling this year - from 224 to 445, and I have only made one claim for £60 this year ! I am shopping around today.

In the summer Sydney had an ear infection and a rash - but they both cleared with minimal treatment and she has had no problems since - does this mean that if I move to another insurer (looking at Axa at present) she would not be covered for problems with ears and skin, just because of this visit to the vet in the summer. In which case does this mean I am stuck with M&S