I got this insurance because I had an older dog and added my younger dog to it. Each year it renewed, whatever occurred the prior year became a pre-existing condition which made no sense to me since it was the same policy (in my opinion, not theirs). Then, I took both dogs in for a teeth cleaning/fracture repair, removal of warts and tumors. It was a 2 month fight to be reimbursed and even my vet commented on how many times she had to provide them additional information. One dog was a chocolate lab and the other was an american eskimo.