This is a complete load of nonsense !
There is a recent thread on M&S, but as a person who works in the insurance industry I would like to stick my two penneth worth in.
First M&S are a shop NOT an Insurer. They put there name to a product and it sells. The policy is Underwritten by AXA Insurance, one of the largest insurers in the world.
M&S had really really cheap premiums and inevitably they got a lot of business which will have resulted in lots of claims. It is the claims tht have caused the insurance to go up - effectively M&S will have a scheme with AXA and the scheme is unlikely to be running at a profit, hence the price increase.
I was with M&S and at the time couldnt believe the price, I made no claims paid my premium. I was pre warned about the increase. In fact at renewal, only this month, I was astounded when my premium had almost doubled and my excess increased. After a little research I found Healthy Pets, premium almost identical to last year - funny thing is the Insurer is AXA - therefore proving that AXA have not increased ALL of their pet insurance policies.
The cover with Healthy Pets is very similar, the main thing that I have found that is different to M&S is that there is no specific cover for a behaviourist UNLESS you are referred by your vet in connection with another incident/accident and special dietry food (unless again in connection with an accident/incident) tbh I wasnt fussed about these two particular exclusions so I went with them.
I have got to say that if I had been trying to pass this sort of increase and terms onto a client I would be extremely embarrassed.