I have all my cats and dog insured with animal friends. I do think you have to be very careful when taking out policies. If you’ve claimed the maximum one year and only have an annual policy limit on that condition then you’re not going to claim again on the same problem if you have claimed up to the limit on that condition. Therefore I always go for the more expensive lifetime condition and annual limit per condition. So if a cat gets diabetes and has a broken leg in one year you can claim £8000 (minus excess) if you have a £4000 limit per condition. Once the policy renews if there is still a problem with the broken leg you can claim in the new policy year (once again minus tge excess for new year). As for the diabetes that will be covered for up to £4000 per year for its lifetime. With my Arthur passed away five years ago he had four condition after his immune system collapsed following his sixth booster. Ultimately they paid out not far of £15,000. Similarly last year my 12 year old Thomas has pancreatitis which he suffered from for at least 5 years. They paid out each year and during the last year they also paid out for another condition when his back legs went. Once you reach the age of 8 I had to pay 20% of the costs. Make sure you know what you are insured for. don’t get blinded by going for the cheapest rate and the lowest limit in terms of what is covered. It’s quite common for insurers to now charge you more once a cat or dog reaches 8 years old and most insurers do not cover dental. I believe Petplan are probably the better ones when it comes to pets getting elderly but then starting off with Petplan is quite expensive. Ironically you get what you pay for