My experience so far is that most Insurers start to ramp up the excess around age 5 plus bring in a % fee contribution
they seem to be inflexible in the terms of their schemes offering a low level of cover or high, with fixed excess amounts.
I've moved one dog onto Agria direct; they underwrite quite a few schemes such as BASC and the Kennel Club. They have a multi dog discount scheme plus the first two months are half price. Excess is £85 with a 10% contribution to any Vet fee, can't recall the level of cover but think it's £12K - premiums are £9 PM X 2 £18pcm X 10.
All insurance premiums have gone up by 6% since November due new IPT rate which is now 9%
Jayne