Lifetime cover is usually the safest route, but it is not immune to aggressive...

https://aged-wiki.win/index.php/Why_do_Frenchies_peak_with_BOAS_at_2_to_3_years_old%3F_(And_why_your_insurance_choice_will_break_you)

Lifetime cover is usually the safest route, but it is not immune to aggressive price hikes. With a complex cruciate repair often costing over £5,000, choosing the wrong policy is a financial risk you cannot afford