5 yr old greyhound had an issue with a rear toe. Dog seen by vet on 2/14. We were not in a hurry to amputate a toe unless absolutely necessary. Plan renewed 3/1/12, surgery on 3/30 no covered because we didn't have it done before May 1st. So much for not rushing into chopping off a dogs toe. Because of a 14 day gap, claim denied. A lot of BS !!