My one year old dog was denied Acl surgery. They didnt even have all the documents in front of them before they denied her. Calling it a pre existing condition. 2 board certified specialist looked at my dog in person and reviewed her radiographs and said this accident just happened. when i called asking why she was declined before her radiograph report was even looked at, i was insulted and called a bad pet owner because i didnt witness the accident, in my fenced in yard. They cant be convinced it happened. I had 2 veterinarians calling them telling them this was not a pre existing condition. Plus 2 surgeons but it still didnt matter. Once again, denied before having the original radiograph report says it all.