There are a lot of factors which will impact the price of your quote. Some of the most important include: Age. As your pet gets older it's more likely to suffer from an ongoing medical condition, therefore increasing the cost of the cover. Rising vet fees. The cost of veterinary care is increasing in part due to advancements in treatments vets can provide, with vet fees varying throughout the UK. Breed. Some breeds are more likely to suffer from certain medical conditions. Insurance Premium Tax. The cost of dog insurance is adjusted as Insurance Premium Tax either increases or decreases.