Freya is with Petplan and so far they havent hiked the fees up on the yearly renewel....went up £1 a month.
Please stay clear of the Kennel Club as from personal experience they have double the yearly premiums the last 3 years and think it ok to charge a small fortune for a dismal service (just my experience though!)
Brodie is with PetPlan - I started off paying about £23 a month and now she is aged four I'm paying £40. Got to say, they have been absolutely brilliant as Brodie has had a lot of problems, especially in the last year, and they have paid out each time, no questions asked.
Just dread to think what I'll have to pay each month when she is older
. Apparently you also start to pay a certain percentage of any claim once your dog reaches old age, but I haven't managed to get this confirmed by them (emailed them a while back and just realised writing this that they didn't answer!)