If you are in any doubt about the cover, phone and check before you take it out. This is typical wording from the policy document of one company offering 'lifetime cover'
Quote:
Lifetime Condition means the maximum Benefit Limit We will pay for a particular claim in the aggregate, during the life of the Pet as detailed in Your
Schedule. Once this maximum amount has been paid, We will not pay for any further Treatment of that Condition during the remainder of the
Policy Year or any future Policy Year.
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To me this means there is a ceiling per condition. Boring as it may be, you must read the policy document to know what cover is being offered.