I recently had to take my cat to the vet for a brand new medical issue, and my claim was denied due to it being a "pre-existing condition". Well it's not pre-existing because I've never taken my cat to the vet for anything like this before, so I'm not really sure on what grounds they have to deny the claim other than the caat had other health conditions before that 1% change "could" have contributed to this brand new issue. I would say if you get a brand new pet with no pre-existing conditions and put them on this health insurance right away, it would be worth it. But I'm finding the company will do anything to deny a claim by baselessly linking new issues to anything the pet has had in the past. I also have no clue why claims from over a month ago took so long, but then I submitted a new claim that got processed immediately (even before some of the claims from a month ago!)