Our seven year old, healthy Lab has been covered by a PetFirst policy since he was 12 weeks old. Recently brought him in to the Vet, sent in a claim and was denied on the basis of a "pre-existing condition."
Unbeknownst to us, and NEVER clearly stated by anyone at PetFirst, is the fact that if your pet is called covered in (for example) Year-1 for said injury, illness, etc. and Year-2, same injury/illness occurs, you're NO LONGER COVERED. Each year the policy "renews," previous covered conditions are categorized as "pre-existing."
If this isn't snake oil, nothing is.