£5000 vet fees , ongoing conditions with no time limit and up to £5000 per condition, no limit to the number of simultaneous ongoing conditions, plus all the other bits and bobs for a quarter of the price of petplan.
The way I've read this is that once you have used up £5000 on one illness/condition, you would no longer be covered for that? If so, that's what happened with my SIL's springer,(don't know who he was insured with though).He developed arthritis fairly young,and his limit expired by the time he was about 8, so they had to fund that themselves and keep paying the premiums so he was covered for other things.
Personally, I prefer lifetime cover with annual limits (which is what I thought Petplan was), as opposed to a limit per condition - I'd be worried that one of mine could get a condition which needed ongoing treatment, and I wouldn't have thought that £5000 would last for many years (esp if it was something like arthritis or diabetes). We're with M&S (Boysie should be sponsored by them), and they have been brilliant. Maybe a bit more expensive but we're now excess free as well.