I bought the insurance and a year later my dog had to have an ACL which is common on small dogs. Since 2 years previous tot he insurance he had it on the opposite side, ASPCA concluded it was a preexisting condition. ASPCA never mentioned in their advertising or comments that such a thing could occur other than 6 months. It cost me over $2000 and when I complained, ASPCA would not even respond. ASPCA are a bunch of groups conning people who own pets with no real caring. Use another insurance company. DON'T GET RIPPED OFF.