We had pet plan for our 2.
The premium started off at £9 (I think, it was under 10 anyway) per month per dog, we never made a claim and it eventually went up to £18 per dog per month, and the excess went up too to 75. This was only over 4 years! We cancelled it and pay the money into an account now. The money is there if we need it, but still earning interest if we dont!