Got my insurance through a signup from the breeder. It was supposed to have no waiting period. Dog had diarrhea when he came home, like almost all puppies have when they're adjusting to a new home. In an unexpected turn of events he tested postiive for parvo. They used the 'existing diarrhea' to reject coverage for his parvo treatment as a pre-existing condition. It took them almost 3 weeks to reject my initial claim after my first call with them told me it sounded like a normal basic case. They also tried to say that I didn't sign-up correctly to avoid paying out before I appealed. It took them another 3 days to decline my appeal without speaking to anyone. One positive note - All of the representatives I spoke to, save the tool who tried to tell me I didn't sign up right, were extremely pleasant and helpful. Trupanion is a complete scam and I wouldn't recommend it to my worst enemy.