I received the 24 Hour Pet Watch Gift Insurance for a newly adopted puppy. Two days later I brought her into the vet for mites, an ear infection and urinary incontinence. I extended the policy since these were conditions that were going to take repeated visits before she was better. She had symptoms of all three in the days before going to the vet. The mites and ear infection claims were paid. The incontinence/UTI were denied on the basis of pre-existing condition. If the Gift Policy is give by the adoption group so that any conditions are covered when you adopt your new pet, it is extremely diappointing to have the insurance company decide which are pre-existing and which are not. Obviously, the most expensive condition was. Needless to say, I will be cancelling coverage immediately.