I currently have 2 dog insurance policies with Pet Plan. I can tell from my premiums that no matter how old your dog is, the premium is the same. I know they charge different amounts depending on where you live though.

I live in one county, but my postal address has a different county in it. Pet Plan were unable to tell which county I actually live in from their computer, so I had to send a copy of a council letter to get the cheaper premium, which was a little inconvenient.

Pet Plan are exensive compared with other policies I have looked at, but they offer life time cover, which means that they will continue to pay for your pet's illness every year of your pets life. Many other insurers will stop at a set amount (e.g. £3000) and won't pay any more out for that illness, leaving you to find the money from your own pocket.

I have only made one claim with Pet Plan. I got the claim pre-approved (meaning that Pet Plan agreed to pay before the operation went ahead) and so I had no problems at all with the claim.

Pet Plan also give you the option to donate an extra £1 in your yearly premium to an animal charity, which is a nice idea.