After pursuing our breeders recommendation of continuing our puppy insurance, we upgraded our insurance to the preventative plan. We sent in our first claim, only to have it partially denied, due to a pre existing health concern. However, our coverage never lapsed and was in force since birth...go figure. There was no specific intervention other than de-worming which seemed to fix the problem of lethargy.
A letter then arrived stating that gastrointestinal problems and associated concerns would now be excluded. This confirms what we had been told about this insurance plan, as soon as you have difficulty it will be excluded....we cancelled our insurance.
Don't waste your time. Pick a different company.