Orin is now 9 and we are in the process of changing his insurance and decided to go with Animal Friends. however they offer non lifetime and lifetime. Orin has always been non lifetime but now I cant decide which way to go. yes has always been a fit and healthy dog so we not worried and only have 1 exclusion for ears following grass seeds last year. I don't know whether as he is getting old there is no point now swapping to lifetime or whetehr we are likely to need lifetime more as he gets older so better to have it.