I found this thread interesting, albeit too late for Charlie, but I will keep it for the future...
When I rehomed Charlie 4 years ago, I was given 4 weeks free insurance with Pet Plan, already covered when I took him home. When the 4 weeks was almost up, I was asked if I wanted to renew, I think it was something like £400 odd for a for life policy?
Anyhow, as time has gone, I have renewed every year without fail. But my excess has never been £75??
Twice I have taken Charlie to the vet outside of his boosters and castration, 1 for a loose tooth and once when another dog attacked him and cut his ear. The emergency consultation and medication was still less than the excess I had to pay.
Sadly at this renewal I had no choice but to cancel. They have Charlies age as 8 at renewal date. £115 excess, £70 payout from theft/straying or death from injury (what I paid for him at Battersea) and £50.30 a month - £603.70 annual premium.
I said that I was entitled to treatment from the PDSA and would rather donate that money and pay for his treatment, it was just too expensive. They cancelled without any qualms. Unfortunately, Charlie was diagnosed by the PDSA with advanced MVD (see my thread) just 3 months on, so there is no going back and I cant say how the claim would have been with Pet Plan, but for future knowledge I would be keen to find out why my premium was so high in comparison to eg Jasper and Gabbys :?