And you may not be aware if he even has an apparently pre-existing condition!
Some years ago we took our dog, then about 2 years old, to the vet as he was chewing his paws. The vet decided it was a food allergy and convinced us to have him undergo a course of investigations and treatment, all to be covered by our PetPlan policy.
Unfortunately we didn't claim immediately for each episode of treatment but just put in a claim at the end for the total. The final bill was thousands.
PetPlan turned it down. They said that on his first puppy check at about 8 weeks old the vet had mentioned that the skin on his belly was a little dry. This, they said, was indicative of the allergy.
They said that, not only was this treatment not covered but any future condition involving dry skin would also not be covered. We didn't renew.
He's now 10 and has so far kept healthy. We watch what he eats (no grain, no pork or beef). If he gets sick when he gets older I'll pay the bills then. It may or may not be covered by the insurance fees we've not paid out. Who knows, but it'll be what it'll be.