I understand not covering pre-existing conditions. My dog was diagnosed with IBD during the 2 week waiting period. I recently found out that there's a lifetime exclusion for vomiting and diarrhea because they are symptoms of IBD. I'm now looking for another insurer without those exclusions. My dog has been symptom free for well over a year and I believe that is too severe. The only claim I've put in for was not IBD related but it was denied because my Vet diagnosed him with gastritis.