I had a policy before, they canceled it without telling me, so I had to sign up for a new one for my cat.
I called to ask about the claims I put in, she said his diabetes was a pre-existing condition so it wasn't covered.
"...but it's new. We literally just found out about it. How is that pre-existing?"
"Because you're in the 14 day holding period, anything new is considered pre-existing."
"Okay well it's not really a new policy since you canceled it with no notice. I got no email or phone call or anything. "
"And then you signed up for a new policy."
"....because I wanted to continue coverage for my cat? "
"But the previous account was not reinstated in 30 days."
".....because I had no idea it was closed. I-- you know what? Close my account and cancel the policy, please."
"Do you want to leave it open in case something else happens?"
"No, I'm sure you guys will find a reason to deny any claim I put in."
So I got a refund and right now I'm just livid. The policy said he was covered 24 hours after I signed up.