I feel the Explanation of Benefits were not explained properly. My last claim was denied because it was deemed a pre-existing condition. How can a dog retching up bile be related to a skin condition (more than 6 months prior) or showing blood when deficicating be related to an "allergy" and claim denial? And it was explained this would be a recognized pre-condition for the life of the policy. In my opinion, these conditions are not related and for it to be a reason for the denial of the life of my pet is outrageous. I was told to appeal the denial through a lengthy process which has to be signed off by my vet. I'm regretting I chose this insurance which cost me over $70.00 a month with a $500 deductible.