We are unable to confirm if your premium will be the same each year due to changes that may have happened during the policy period. We will review your cover each year before offering to renew your policy. This means that we may change the terms and conditions of your cover, your premium, or not offer to renew your policy based on:

• The information you have provided to us.
• Your pet’s age and medical history.
• Any claims made and future expected treatment and claims costs.

Please be aware that the chances of your pet getting ill increases as they age and this means your insurance premium will also increase. This increase could be significant if you have made a claim.