Changed to JL two years ago after Pet Plan rocketed after Harrys first year. We got better cover with JL and it was £15 as opposed to £26 with PP. second year with JL went to £18, no big deal, but this year its jumped to £26, despite no claims at all. I phoned JL up and got the usual chat, based on vets fee's, unregulated vets etc....She was adamant she couldn't reduce it, despite me saying I'd had a better quote from M&S. So I cancelled it. I then just for interest applied for another quote from JL as a new customer, low and behold the quote came back at £17 and THATS without the 20% new customer discount, that's the same cover I had, same excess. So in a nut shell, its a mine field out there folks.