I would just like people to know that when a policy renews, if the animal (in this case my cat) has had a problem in the prior policy year, it will be considered a pre-existing condition for the next policy year. My cat started to get sick in November 2010. An ER visit and several vet visits to try and find out what was wrong were reimbursed to the extent of the policy. However, wasn't until mid Dec they finally found the issue - a brain tumor. Unfortunately, my policy renewed on Dec 1, so the biggest expenses - the cardiopulmonary ultrasound, the CT scan, anesthesia, overnight hospital stay, etc. were not covered since it related to her prior condition in November. So watch when your animal gets sick and when your policy renews. Timing is everything and it certainly was in my case.