Lifetime cover is the gold standard, but don't assume your price stays low....

https://foxtrot-wiki.win/index.php/Pet_Insurance_Exclusions:_The_%22Gotcha%22_Guide_for_Pet_Owners

Lifetime cover is the gold standard, but don't assume your price stays low. When a complex cruciate repair hits £5,000, you will be glad you have the protection. However, insurers love to hike premiums at renewal, so never just auto-renew