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

https://www.telford-live.com/2026/04/ad-how-to-choose-dog-insurance-in-the-uk-and-where-to-start/

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