We have submitted approximately $1000 in claims over the past 2 years and $700 has been denied. We have the full superior coverage with the Careguard core addition. The problem is the liberal use of pre-existing conditions. Our dog started coverage with Giardia (a parasite) which has been cleared for a year. Any illness our dog gets with symptoms of loose stool or vomiting is now preexisting. The most recent denial was a swallowed object resulting in vomiting which was denied as preexisting. The only claims that have been paid are general care. We are now looking for other insurance because we are no longer confident that a serious injury or illness will be covered.