Everything is a pre existing condition no matter how many years ago there was an episode. Insurance company makes a diagnosis and declines the visit before the doctor has even written up the exam or findings.
Insurance is supposed to give pet owners peace of mind that their pet will be treated in time of need. Instead here a cat was left untreated and undiagnosed for fear by the owners that their cloaim would be rejected.
Do not waste your money on these premiums!