One of the "fine print" items with this insurance is that each year's renewal is considered a completely new policy. Therefore, no matter how long you have had your pet insured with them, any illness they have at renewal is considered a pre-existing condition and is not covered. My cat developed IBS in the 11th month of the 4th year I had him insured with ASPCA. Therefore, they covered his vet visit and medications for the first month of his illness and never paid another penny after that. I found it fairly worthless for that reason and would not buy it again and would not recommend it.