I have Trupanion. There are no lifetime caps.they don't cover pre existing conditions, but do cover heredity or congenital problems. I just got it so I am in the thirty day waiting period for accidents. My vet recommended this to me. I guess his wife researched this company and others and this is the one they thought was the best. He was upfront with me about not getting a kick back for recommending them. He's a pretty honest guy. If others have opinions, I would be interested. |