Open Question: i am confused by pet insurance?

i want to insure both my dogs,i want no limit on insuring a condition,say one of my dogs take arthritis ,i have noticed a lot saying cover up to 7500 per condition,and is ongoing,only thing is,if you read more carefully ,it says so long as at renewal you have not claimed for a condition,the cost of the policy stays the same,duh !!!! i want cover where i can stay with the same insurance provider,they will not bump up the cost of the policy if my dog developes a life long condition,and there is no limit on the cost of the treatment,am i living in cloud cukoo land also no age limit on cover