“My dog Teddy had kennel cough when we adopted him. He saw the vet 5 times for treatment. During that time the vet made notes on observations unrelated to the treatment. When Teddy had surgery for a French bulldog hereditary issue the company said pre existing. The insurance is useless unless your pet is involved in an accident and even then given their track record they would probably try to find a way to reject the claim. Don’t insure your pet with them”