After 10 mo, I made my 1st claim. It was denied as pre-existing. Because my pet had been treated for Bloody Vomiting and treated for Gastritis, thay said that it was a symptom of Megaesophagus which was just discovered. My pet has no other symptoms, weighs 13# & is healthy. I was told that the REGURGITATION was due to him eating too fast and not to worry about it. So a newly discovered issue is determined pre existing. NOT happy & yes I cancelled all 3 of my policies.