Same boat Naya.....Lilly developed her lupus about a year after cancelling her insurance.
He then proceeded to explain why pet insurance goes up vet fees, age of pet etc you know the drill. He also said an increase in claims has affected premiums. I explained I understood all that but thought it still very high and my main problem was as a new customer I could get it £200 cheaper. I asked why there was such a difference between my premium and a new customer as the same conditions apply. The response was quite a lot of waffle which included the premium increases more after the first 12 months because they take in to account insuring the dog for it’s whole life or something like that. 
The nice man then informed me pet insurance is the only insurance you can cancel an existing policy and take out a new one with the same provider however I then got an explanation of pre existing conditions. At the end of that though he did say if I was certain Hunter had no pre existing conditions then a new policy would make sense as he could only reduce my current premium to £409 so that’s what I did. Of course I’m gambling a bit for the next few weeks so 
That was this morning I’m still waiting for him to ring me back so I can pay as there payment system wasn’t working . While I’ve got the chance to ask am I doing the right thing ?
That's what insurance is, I reckon. One big gamble.
. They’d obviously taken out the new policy, more importantly taken the money off my card, without confirming it with me. They’d also got Hunter’s date of birth wrong
I rang them. It got a bit complicated as they didn’t seem to understand I already had the new policy documents and therefore new policy number but by the end I confirmed I’m covered by the new policy from the 15th and the old policy will be cancelled. I think they like sending out paper work because apparently I’m going to receive cancellation documents and of course new policy documents with the altered DOB 
. The new date of birth gave me an £11 refund 
unfortunately I’ve got a feeling I’ll be ringing them back when I get my altered policy documents. Thinking about what was said I’ve a feeling Hunter’s date of birth will be wrong again.
I suppose the insurance has to go up due to the ridiculous vet fees these days. Not the vets fault but the companies who have taken over and hiked up the fees!
It is sadly
