We have always carried pet health insurance for all our dogs. Our claim history with Zuzu our 9 yr old mixed dachshund is scarce as we really had no terrible incidents, thank God. However I am very scare of that renewal clause in which any illness during a policy period will be considered a pre-existing condition, after certain age we all including pets develop arthritis etc. In Zuzu's case arthritis is the issue. If the insurance carrier offers a guaranteed coverage for an additional fee, this offer has a minimal disclosure, just to make sure that the majority of people will not even notice it. It is unfortunate that pet insurance is so deceiving and unregulated, pet owners consider their pets as their children and after years of paying for costly insurance premiums is heartbreaking to find yourself financing out of pocket your pet's medical needs. I intend to review all the pet insurance carriers in the market when my renewal approaches.