Horrible company. Their policy clearly states that a pre-existing condition is one that occurred in the 12 months prior to the policy issuance. I purchased a policy for my Dog in February 2019. The only thing that happened in the 12 months prior was a ACL replacement (TPL). When he was younger he did have skin allergies, but they were controlled with immunotherapy prior to 2014. In May he had a mysterious skin infection. They denied $435 of his treatment and accepted $22 towards deductible and said it was pre-existing. They tried to tell me how they did accept some on the phone. This is hilarious. These guys are clowns. In no way is it pre-existing as he has not received any treatment for skin related issues since prior to 2014. I will be reporting these scam artists to the state insurance board. They are not to at all trustworthy.