I too have a dog that has been impacted by this. His insurance was cancelled in March - I had the same letter as all of you - and my insurance was the so-called "lifetime" insurance too. I feel particularly aggrieved as I had researched the co and when I saw that the underwriters were NIG, a company I had used for years, was very happy that they were a reliable reputable insurance co..... Currently my dog is no longer insured which causes me all sorts of worry but I don;t think it is worth insuring as he had a broken back leg (broken by kennels) and as a result of being left untreated for a week now has Inflammatory Bowel Disease - so I am guessing apart from an accident insurers would be able to link most things to one or the other Do you think I am out of time for putting in a complaint to Petguard and the Financial Ombudsman? I would love to have the policy reinstated but really don;t think that this will happen - as lifetime policies are a series of one year policies..... Eve