I have been with AF for over nine years for my two large breed dogs. Having taken the Prestige insurance as been stung in the past, my premiums have increased year on year due to both dogs having congenital arthritis. As they are both getting on now, this last year there has been a lot of medication and trips to the vets. Note my surprise this morning to receive a renewal which for one dog is increasing by no less than £1063.32 a year. That and the 20% I pay on each claim anyway as over 8 years old and the excess too! I am horrified but am stuck as cannot get insurance with anyone else for pre-existing conditions. I would advise all to shop around and not go with a company who is underwritten by Red Sands based in Gibraltar. This company is not nice to deal with - particularly when you need them during a stressful time when your beloved pets are unwell.