I adopted a dog that had urinary crystals. It was not pre-existing to my knowledge and Pet Plan paid for my dogs treatments, totaling over a $2,000. His treatment included blood tests, and ultra sounds. There is an initial 6 week waiting period when you first open an account with them but they are very good and they issue a refund check in about 4 weeks. Care Credit is also good for applying the vet payment (which gives about 1 month to 1 year interest free to pay depending on the dollar amount) Then when your refund check comes in from PetPlan, you can pay off the Care Credit card.