I was very disappointed. I was told that my dog would not be covered for a cyst which was not a pre-existing condition. I am in the medical field and fortunately was knowledgeable enough to question the unapproved claim. They were trying to tell me that a very hard benign tumor which she had in the past was the same as this fluid filled cyst which was entirely in a different area. Fortunately my vet called and agreed with my evaluation of the situation. I do not think the reviewers are knowledgeable enough. So be persistent if you put in a claim. It also took way past the 15 days for a review when I appealed. The policy listed is that a decision is made in 15 days. I would not recommend this insurance.