After years of being a customer and not having problems, suddenly every claim I submitted was deemed to be a pre-existing condition. First, the consider any condition that existed before your renewal date a pre-existing condition. It is a renewal of the same policy, but now since the plan has renewed, anything your pet had even the day before the renewal is now pre-existing even though it is the same policy! My cat has asthma. They covered the diagnosis, but refused to cover the medications due to pre-existing condition. Then, everything, even if it is brand new becomes pre-existing. I took my cat in because she suddenly (read the word there, suddenly) started losing weight. Somehow that is a pre-existing condition to them, so they refused to cover it.