I read the policy very closely about pre-existing condition and exceptions related to skin masses. My dod has had a skin mass for years and no symptoms at all but because of the size not the Vet would like to narrow down the extent of the issue. The is therefore not a pre-existing condition because the mass has not been diagnosed, no symptoms have resulted, and information regarding my understanding was confirmed by a customer service person, My Vet and the pre-certification actually outlines this very thing but yet my claim was fully denied. A skin mass that needs removed to determine status (benign or malignant) should be a covered service. I could see if if was found to be cancer because I would not expect any treatment to be covered but a diagnostic procedure??? Come on... really.. not support alt all. What do I have this service for. If this is not corrected I will leave this company all together.