I have a 7 pound dog which is mostly corgia. He was examined by our local Vet and he told us that Mike (dog's name) may have knee damage in one leg that might require surgery in the future. He indicated that their was no danger at the time of his examination. I waited until I saw him favoring his left rear leg. This is when I took him to the Hospital for further examination, and it was discovered that he had trouble in both rear legs. In conversation with the surgeon, we agreed that repairs to both legs at the same time would reduce the over all cost and down time. The surgery was done on the 4th October. I have received notice that your company would not approve the bill I submitted, until you had confirmation that this was not a pre-existing condition. This told me that I didn't have an Insurance Company that I could rely on. You have contacted my local vet that does not do surgery and any other vet that is in my area. Seems to me you are saying I am trying to pull a fast one and collect for something I'm not entitled!