I received Phoebe's insurance renewal quote this morning from Healthy pets and guess what, it has tripled to £372.37
Having read the above posts I was prepared for this to happen and after further research on other providers and taking into account what others have said, I have gone with M&S for £173.64. Healthy Pets have introduced the co-insurance of 25% of claim for over
5 years of age, which means from now on for Phoebe - M&S is 20% for over 9 and also covers dental work, providing she has regular checks.
When I spoke to the very nice lady at Healthy Pets and told her about these on line discussions she said that that was the problem - we all move over to the less expensive providers and the insurance companies then start to increase the premiums as part of a vicious circle. She did agree though, that it was human nature for us to go for the best cost value.