i have had this policy for close to one year. nothing could be better coverage than this policy. the only problem that i ahve is that my dog was itchy on one vet visit which became a prexisting condition when i took out this policy. my vet is still trying to figure this one out. i have gone to my doctor with itching problems(because of dry skin) but that doesn't mean i have the possibility of having a real problem with my skin. certainly doesn't mean i am going to have psoriasis later. so the needed allergy tests that he needs won't be covered and that is expensive.