I have a French Bulldog that had to have her names enlarged and her palate fixed. This is a problem most french bulldogs face. I asked at the time I signed up if this would be covered. I was told yes. My vet and I discussed this and he said he would correct this at the time she was spayed. However this was not covered because they said it was preexisting...hello all frenchies are basically born with thus problem, which gets worse over time. Then they said if it's a medical emergency it would be covered....however they could turn around and claim preexisting...so why don't u be upfront and tell me it's not covered. I have spent nearly $3000 on my frenchie who is just under 1.5 yrs and have been reimbursed less than $400. So I'm considering being self insured.