I’m sure they’re just like any other pet insurance company in this way, but they constantly deny my claims stating that they are pre-existing conditions. My dog has had allergies since the day I got her, so I would have needed insurance for her since before I got her for that to be covered, apparently. And she’ll get an infection in her lip folds due to saliva build up (brand new thing) and that’s apparently part of her allergy. I know they aren’t in the business of just paying out for everything, but they barely pay out for anything when it comes to my dog. And dealing with appeals has been a nightmare and has never once turned out in my favor.