The representative did not help my situation because the agreement I accepted included the 30 day elimination. I just adopted a retired guide dog about 2 months ago. She ended up with an ebola bacteria bladder infection. Next, she contracted pancreatitis and was very sick for several days. Both events were unexpected and very expensive. Though she is worth every penny, no one expects such serious health issues so soon. It is frustrating to know that none of the costs were covered and never will be, because she contracted the pancreatitis and bladder infection during or before the 30 day period. I hope there will be no further illness for a very long time, but I feel that I should have considered the details before enrolling with insurance.I respect the rules, but it seems there should be exceptions.