They will find any excuse to avoid paying. This insurance will not cover anything above the absolute bare minimum, and their coverage policy is extremely misleading. Your pet needs surgery? Fine, if they can't find a way to somehow tie the cause of the surgery to a pre-existing condition, they will begrudgingly pay for the necessary repair - but not for anesthesia, not for IV fluids, not for anything else. Be prepared for them to find a way to avoid paying for 90% or more of your costs. Save your money and look elsewhere. The insurance policy will make you feel better until you actually need to use it.