The diagnosis of Irritable Bowel Disease came after numerous blood tests, x-rays and consultations. It could have been much worse - lymphoma, kidney, pancreatic or liver disease. But this insurance policy allowed us to find out what the real problem was. Now we have Thomas on a diet that will keep him comfortable and halt the weight loss. We will be able to enjoy him for a few years more. And for a 14 year old cat that's not bad.
I would change only one thing - the pre-existing disease clause. Basically, it means that you have $1500 per incident per year - after that you are not covered for that condition unless your pet has had no medication or consultation for 6 months after the renewal date of your policy.