I have spent 7 years with my previous insurer until last year when they transferred my 2 policies to Purely Pets. Over the 7 years I have paid over £5000 insurance premiums for my 2 cross breeds, with less than £500 claimed after various excess contributions. One of my dogs has developed a heart condition, which requires medication. Medication costs for last year were approximately £550, which means approximately £400 paid out after excess contributions. I have just received my renewal notice through and the policy for my dog with the heart condition has went up to over £1000, an increase of over £400. Coincidence, I don’t think so, as my other policy has not went up by the same amount, albeit he is an older dog. Ultimately it looks very likely their policy is to claim back any claims they have paid out during future years premiums.