They won't cover ANYTHING!!!! I had just about all my claims denied for my rescue, basically because there was not a 12 month history for her. Which they knew from the start since she was a rescue! They also consider a "cough" a pre-existing condition.. Thankfully human healthy insurance isn't this bad or else! It took them months to deny all my claims. claims from March were finally handled in July after 5 or 6 phone calls and 3 emails.