Right. Because I read Healthy Paws, Figo, Embrace, Petplan, Trupanion's policy thoroughly (I live in California) and it didn't say such thing, so I was like what? Lol. I enrolled with Healthy Paws just 2 months ago, went to the vet within 30 days, and already submitted the health record to them. Wouldn't want any surprises should I ever make a claim!