we took out a premium dental insurance for my Maltese. They refused to pay out the claim we had for his teeth extraction claiming it was a pre existing condition. I fail to understand how it could be a pre existing condition as you can't extract the same teeth twice. I even called ahead of the treatment being performed to confirm that this was covered. Whilst they couldn't absolutely confirm, they did indicate that this should be covered. After chasing them for weeks for my claim, I received a letter in the post saying they couldn't pay it out because it was pre existing. I am done with them. I cancelled the insurance immediately after 2 years.