The only exclusion on our policy was a mild skin allergy under our dog's chin. It was listed as the only exclusion on the policy. Two years into the policy he broke a nail on his left hind foot, something he had done prior to the policy, but it was not listed as an exclusion. After breaking his toe again a year ago, our vet was worried about cancer in that toe so it was amputated. The bill was close to $1000 and the insurance company denied the claim as they claimed it was a pre-existing condition, though they did not make it an exclusion when the policy was purchased. Our vet even wrote a letter to them. Very poor customer relations, slow getting answers, poor compant to deal with.