I had no idea this product did not offer continuing coverage for chronic conditions treated in the prior policy year. It was not discussed at the time of purchase and I only found out after I had cancelled my cats from Pets Best and signed up for ASPCA. This is just beyond the pale of business ethics. My cats had coverage (but no chronic conditions) under Pets Best but I was dissatisfied with Pets Best per incident deductible policy so switched to ASPCA. Now my cats with chronic conditions treated in 2012 will have preexisting conditions for other pet insurance policies. DO NOT PURCHASE ASPCA if YOUR PET IS NOT QUALIFIED FOR CONTINUING CARE POLICY. And ask if that policy expires at a certain age. The rep I just spoke to was so rude in telling me this was in my policy issued in 2011 (after I cancelled my Pets Best insurance) - like that helped after I had no option at that point. VERY DECEIVING business PRACTICE.