When comparing policies, you have to be careful reading the wording. Some might say a limit of per person per calender year, some will be per FAMILY for a year or per family for the lifetime of your cover. You read so many different policies, sometimes just those few key words slip through..
If you find something you like, ring or walk in if you can, and have a chat with someone. Get them to explain anything you don't understand or need more information on.