I have insurance with marks and spencers for my dog which cost £94 for the year.  I have just been to the vets with Poj who had a minor eye infection, treatment came to £26.  I haven't claimed yet as I'm wondering if I don't claim will I get a lower premium next year?  Or if I do claim will my premium go up next year?  With my car I've paid for accidents in the past rather than claim to keep my premium low - is this how pet insurance works too?

Do you have an excess?

No - does that make a difference?

as far as I know it doesn't make a difference! best to ring them and ask to be sure, but claim away!!

M&S don't put the insurance up if you claim.  (It doesn't go down either if you don't).   Prices are worked out on the age of the dog, think it is 0 - 4 years, 5 - 7 and 8 upwards.   Neither of mine went up this year despite a claim on each, but they will go into the higher age increase next year.

I have made three claims this year for small amounts they have paid  out NQA whether or not the insurance will go up next year..I expect it to anyway!!

You can pay extra to save you losing your no claims bonus, i did and it wasn't that much more...fortunately i've not had to use it yet.
xx