You would get a better response to your question if you post it on animals and nature. However I will give you my opinion. If you can afford it, and for complete peace of mind you should look for a policy that will cover your puppy for life for any condition. A lot of policies will be cheaper but you can only claim for 12 months for any ongoing condition. but with a lifetime policy you will be able to claim for an ongoing condition for however long your pet lives or suffers from an illness. Petplan do this type of policy, also More Than and I think M&S. If you post on A & N you will get a better response from people who will have opinions about the best insurance companies. But at the end of the day, you only get what you pay for. i hope this helps.