I had a policy with Pets Best for a short time for my 9 year old miniature poodle. My vet determined my poodle needed cataract surgery. Called Pets Best to be sure it was covered and they said no because it must have been pre-existing. I canceled my policy that day. People with young pets, I would agree, pet insurance is wise to have. However, those of us with older pets, most every illness can be determined as pre-existing if you have had a policy for a short time.