I hope this company will prove me wrong, but every single thing that they take care of, even eye infections, are excluded in subsequent years policies. Each policy is only good for a year. It is not like human insurance where PRE-EXISTING is defined as PRIOR to any insurance with the company. This company, and most, consider pre-existing as the year prior, so any care you get will never be paid for again unless it is preventive. This includes eye infections, indigestion--in other words things that are not chronic in nature but are one time things--they exclude EVERYTHING on future policies. PLEASE comment on this. Thank you.