Insurance was activated on 2/1/2019. The insurance policy states 24hr waiting period for accidents and 5 day waiting period for illness. My pup fell in the pool, which was an accident and got water in her lungs. We took her to the emergency room and she was treated. Now water in the lungs is automatically considered pneumonia. So the insurance company does not want to cover the claim because they state that pneumonia is considered an illness. BUT how did the water get into her lungs!!!!!! BECAUSE SHE FELL IN THE POOL!