I have two insurance's one for my older Pug, Healthy Paws and one for my younger pug, Embrace. When I first got the insurance, my Vet faxed over my medical records to each insurance company. Embrace immediately let me know what was covered and what wasn't due to preexisting conditions and I had no issues filing claims and getting reimbursed. I heard nothing from Healthy Paws, and thought everything was fine and continued making my payments, about 4 months into coverage I make my first claim, first they tell me they don't have all his records, even though I know they did because they referenced a vet that they would only know I went to previously because it was in my current vet's notes, so after going back and forth with them for a few weeks about the vet records, they get back to me and tell me that because my dog was overweight they wouldn't cover a thyroid test, because it's considered a pre-existing condition. First of all my pug has never had a thyroid test before and tested negative for any thyroid issues, so how is that a preexisting condition? I also feel like it's a real stretch to say that being overweight in the past is a reason not to cover a thyroid test. I also think it's it's interesting that they had no problem taking my money for several months without having all the information they needed to ensure appropriate coverage. I cancelled immediately and wish I could put my older pug with Embrace, but they have an age cap, so I will be looking elsewhere. Buyer Beware.