We brought home a new puppy recently. She started to have diarrhea and we brought her to the vet to be safe. But it was in the first 15 days of her plan so now diarrhea is listed as pre-existing and they denied our claim. How can you be paying for a service but not actually be covered?????? We will still probably stick with them just in case she has a serious injury. The breeder set us up with another company for a trial period and they make it very clear in their correspondence that there is a waiting period of 5 days. Maybe we will just move to them.