just got my renewal for my 2 dogs- its gone up £50 for the year although i have never claimed. i suppose thats the norm in this climate. however, my eldest dog 6 and a half- has an excess of £75 and 20% of any vet bills. isnt that a bit of a swis for a 6 year old dog? the company claim you can insure any age of dog but then they are penalising a 6 year old! is that old??