My dogs have been cared for by the same vet since birth. All the medical records prove neither of them have had any illnesses or pre-existing conditions that would void the "free trial". My vet highly recommended this insurance and sent me a free trial which I activated that day. I never stopped to think it wouldn't be valid for any reason as my vet set it up and who better than my vet to know if there was any medical reason to void coverage? Well, a week after activation my one year old dog unexpectedly took ill. I put in a claim, so happy I had the coverage and it took Trupanion a month (during which time I paid $135 in premiums) to deny coverage because they claim there was a 30 day no claim waiting period...on a 30 day trial?? Yeah that makes sense!!! NOT!!! Another rip off! Buyers beware!!!