I'm with petplan for my dog - she has for life cover, however I'm tied in with this policy as she had a problem with her elbow whilst still a pup, and because I claimed I would have to declare it and it would be excluded. So glad I stayed as it's flared up and she's going to need supplements long term we suspect.
My cats are with Tesco, I've never had a problem with them, but I know some have