Hi , hope someone can help me! I have Benji insured with exotic direct, since we got him in 2010, in the last few months he has had 2 bouts of bladder stones and had to have surgery both times, costing about £1,200, which we claimed back with no problem. I just got a renewal notice today which says, in exclusions:" In respect of Benjamin , excluding any claim as a direct or indirect result of bladder stones. " They have put the premium up from £17.00 a month to £28.00 a month! Does this mean what i think it means that if he gets bladder stones again we can't claim for it???? It doesn't seem fair! I don't know if any other insurance companies will insure him at 6 years old, and i can't afford vets bills for thousands of pounds!!!