My experience with Petplan has been that they will go to great lengths to deem something a "pre-existing condition," thereby excluding any issues from being covered. We adopted a dog that was not in great shape in April 2010 and got Petplan in August. Because a note in her vet chart sites a cough and runny nose in April 2010, Petplan has excluded a case of tonsilitis in March 2011- eleven months later- and has stated that any tests/illnesses related in anyway to the throat or upper respiratory system will be excluded. Because she had a thin coat and questionable skin health in April 2010, Petplan has made a lifetime exclusion for any illness, test, or medication that is at all related to her skin/hair... which includes many many ailments that plague dogs. So, my point is this: ANYTHING in your dog's medical chart WILL be used against you. Make sure you have the healthiest dog on the planet before signing up for Petplan or else nothing will be covered.