what's frustrating is we pay for the highest tier/level for pet insurance and it seems like each time I submit a claim, it gets rejected. I understand to a point that not every single thing is going to be covered, but a lot of the time the one thing that isn't covered (pre-existing conditions) is the one thing that we need to be covered. Otherwise, what is the point of having insurance if you're not going to be covered if everything is going to be labeled as pre-existing? Say that would be in our case as humans, what would be the point in having insurance for us if nothing gets covered because of "pre-existing conditions"? Why should that matter anyway, it shouldn't matter if a pet has a pre-existing condition, I thought that was the whole reason to have insurance. Otherwise, it seems like having pet insurance is a waste of time and money.