I adopt two pets from a Texas shelter. The shelter give you the 24pet insurance, I call activated and pay for extra cost. Four days after they got out of the shelter they start coughing, took them to the vet, Kennel Cough. Two days later, pneumonia. Total expenses 2,500.00. They didn't pay anything because any illness or accident pre-existing to the policy is not available for coverage. The customer service the worst, I had been on hold for two hours.