Hi Erica, I've just had the same dilemma with Emily's Sainsburys lifetime insurance that nearly doubled to £90pm. No option to downgrade this policy as it would be treated as new policy and sainsburys wont insure dogs over 9 years. She'll be 12 in December and has been such a healthy dog. Thought I might cancel, but then decided to swap her over to Petplan essentials (it's all they offer to dogs this age) - £3000 limit/condition at £28/month 14 day changeover period just finished, when she was diagnosed with an anal gland tumour. Specialist referral, Ultrasound, x-rays and surgery £2600 so far. And luckily it's all out, however it was an aggressive type and may recur so I am taking her back every quarter for recheck, ultrasound, etc to keep her monitored. Am now waiting to hear from Petplan regarding my claim. But limit almost reached already. If only I'd known... I had Pip on essentials plan too, but have cancelled my gym membership and upgraded him to lifetime cover. Ollie has to stay on Sainsbury's no matter what due to disc disease. It's scary having to make these decisions.