These people are a joke. They spend a lot of money trying to depict themselves as all about pets. But honestly, they spend most of their time trying to find any reason to declare a claim "pre-existing." And that bit where they claim to cover congenital issues - don't believe it. Once your pet is born, it is considered "pre-existing" and they won't cover it. My advice: Buyer beware. Shop around before choosing these charlatans.