Mine are with PAH, at the latest renewal (this month) it has changed to 75 excess plus 10% of the claim. Bertram's is still £81 for life cover. Heather is 10 and her cover for life renewal was £98 with £75 excess plus 10% of claim - which considering her age and the fact that they paid out £1000 last year for her I didn't think was bad - but it does show why there is a problem - people who insure their bunnies are more likely to take them to a vet and opt for treatment, so I can't imagine how on earth they are making any profit given how fragile bunnies are!