This company will use any excuse to collect your money and not help you. My dog has been hospitalized for bleeding anally and throwing up and they told me because she's thrown up before they can not cover any of the cost. She has never been to the vet for throwing up and even the vet doesn't understand why they aren't covering this. Highly recommend going with a different insurance company. I'm now stuck with a $3,000 bill because they are lying to get out of covering this.