ive just insured Ella with sainsburys insurance, but it is still underwritten by AXA same as healthy pets was, i think AXA underwrite an awful lot of insurance people these days, so i expect sainsburys will shoot up next year , in my recent experience with Brunos cancer, it seems like a viscious circle, you insure your dog so the vets can charge more and the insurance people then put up their prices and so on, the people who suffer are the pet owners, though my local vets practice are very good, but generally vets charges have gone up by huge amounts in the last few years and there should be some sort of cap on them IMHO