Horrible! We got the cat insurance for our two cats, a month later our kitten got had a seizure on the floor and was diagnosed with epilepsy. None of our veterinarian bills were covered as they called it a preexisting condition.... Even the veterinarian wrote us a letter stating why she got epilepsy, which was due to a head injury a couple of weeks earlier (she was exploring and thought she was unstoppable when jumping down from a shelf). I am sure if she was diagnosed with epilepsy in the age of 1 year they would still call it a pre existing condition or find some way to slide out from paying our bills. Horrible experience. NEVER again!!!!