My cat was sick since the day I brought him home, and since I couldn't activate my 24pet insurance until the day after, they said his policy wasn't in effect and therefore it was pre-existing so they wouldn't cover his expenses. How was I supposed to know that he was sick before I got him? and how can it be pre-existing if he's never been treated for it before? 24pet watch is a horrible company that is simply out to screw people over. I will never use or recommend their services ever again.