I have had this company for several years and fortunately had little reason to file claims. However, in the past month my dog has been diagnosed with cushings disease, which will require lifetime medication and testing. The company has just advised me that upon renewal the disease will be considered pre-existing and not be covered in the future-even though they have been his only insurance company for the past five years. Totally unfair, since we buy insurance for peace of mind when out pets become ill, but the fine print is it really is only twelve months of peace of mind per illness. Do not know how other companies treat this but find out in advance.