Our 10 month pup became very ill with pneumonia type symptoms. It took over 6 weeks and many tests and treatments before Baily was back to normal. The total bill was over $2000. We submitted the bills in two separate payments and probably were reimbursed for about 2/3 the total bill. In the past we have poo-pooed pet insurance but was very glad we had it this time. My main complaint was it took Several weeks for the claims to go thru and the webpage where you can monitor progress is very confusing. We have only had the insurance for less than a year so don't know about the problems with pre-existing conditions clause, although we have Level 3 and I believe that is a continuing care plan.