Buddies cover for long term illness's like Diabetes and Arthritis,going with a specific pet insurer is what i'd choose all the time,the likes of Pet Protect,Pet Plan,Buddies and the PDSA insurance are all underwritten by either AXA Sunlife or Aviva (Norwich Union),theres others too and one i've seen uses Zurich as it's underwriter,all superb main insurers,as you said,read the small print and the whole schedule and policy details,then just get the best one you find that suits your needs,hopefully you'll never have to use them but it's always there as piece of mind,Collies can be accident prone as they are giddy dogs when excersising and tendon,ligament and joint damage is easily done.
Staffies are hardy dogs,thats why i've always had Staffies,English Bulls and Pitbulls for the majority of my dog owning life,I started with a Staffy when I was 11yr old,a little bitch called Zeta,back then no one knew what breed she was.I've had a good few over the years since,would never be without a dog until the day I die,Tyson,my Rottie is in an Oak casket and is being buried with my ashes when I pop it....