Each year I dread the pet insurance renewal letter. This year my provider increased the premium beyond an acceptable level and, although reduced 25%when I complained, out of principle I thought I would look elsewhere. What I loved best about this firm was the simple online process, without superfluous questions, and a very competitive price. Two separate policies rather than a multi pet policy which, whilst supposedly is cheaper, is in fact not. So far so good - I am impressed with Lifetime Pet Cover