You either have insurance or you don't. All these grace periods or waiting for underwriting to make a decision is ridiculous. I got insurance on a Friday and we noticed my puppy had an ear infection on Sunday afternoon. Went to the veterinarian animal hospital on earliest appointment Tuesday morning. Paid to have the dogs ear flushed out and drops and with normal puppy stuff. They would not pay the claim because supposedly you have to wait "14 days" after getting insurance for the grace period for pre existing conditions. My puppy that I picked up on Friday when I purchased her from the breeder, she did not have an ear infection. Breeder can vouch for that. But they still refuse to pay the claim. Anyway to get out of paying it, they will. I may cancel this policy soon. This was on 28th of October and as of the 17th of November I still haven't received payment for the other puppy preventative maintenance stuff they agreed to pay for since I have the best policy they offer at the highest rates.