obviously depends on what dog you have and history etc etc etc , I was with tesco pet insurance for the first time last year , special price was �8.56, good i thought , this years premium came and it was �12.95, I rang them and they said this was correct and Its because the online introduction has now been used, said i was not happy and could they do anything about it , they said no , anyway after trawling through the internet i tried tesco's again just to check , well it came out at a very reasonable �8.79, I rang them told them and they said the only way round it was to take the policy out in my wifes name instead of mine so thats what we have done , and guess what , next year the poIicy will be back in my name and we will do exactly the same to get the introductory offer of 40% discount .