I'm getting my first puppy on Saturday and am looking into pet insurance. I've always had cats before (for nearly 20 years) and never bothered with insurance. Luckily, only one has ever had to have any vet treatment (complications after being spayed) and it didn't cost much, certainly far less than I would have spent on insurance over the years. Anyway, this puppy is a pedigree Sheltie so I'm thinking it might be sensible to get some. But it's a minefield. I've read the differences between Accident Only, Time Limited, Maximum Benefit and Lifetime but I'm not sure I fully understand them, or what would be the best kind to get. On the surface it would seem the Lifetime one is the best, but then in the small print it says that it's only really Lifetime if you stay with the same insurer, and they reserve the right to not insure your pet if it gets too ill, so it seems a bit pointless. What do you all have?