Great service.I often disagree with your pre-existing condition exclusions. Had a puppy at 10 weeks. Signed him up right away. Took him in and he was itchy. Now whenever he has a skin problem, including a staph infection, when he obviously didn't have as a puppy, it's pre-existing. That's why I took Hercules off Trupanion because everything, you said, was pre-existing.
Other than that, service is good. And thank goodness now we can submit claims on line!!