My dog is insured with Petplan through pets at home and I use their vets for pets services. I've insured him for lifetime cover since he was a puppy so every year I get £4,000 to spend on vets bills. He has had an ongoing conditions since he was 3 (now 8) and so far they have payed out for all his treatment. I would recommend this company to anyone. Always get cover for life as yearly plans don't insure you for any previous ongoing conditions.