Originally Posted by ccit
It is lifetime cover for those of us who acquire dogs with the intention of keeping and looking after them properly for the duration of their lives. Not (of course) for those who don't or perhaps can't.
It is entirely understandable that it is not transferable. People could bring in any dog saying it was the one on the certificate. In any event, the OP's question was answered and your comment is hopefully irrelevant to them.
So the answer is to issue a certificate of proof for that dog against a microchip. It has nothing to do with who owns it and for how long, it's either for the life of the dog or it isn't and it isn't. It's for how long it's owned by the first person that brings it in, after that too bad.