I have been having the same problem with them. First of all, I don't understand why the plan period should make a difference on the coverage. Just because you are in a new year on the policy should not mean that they will no longer cover a condition that started in the previous plan period. Also, they do look for any reason not to pay. I've appealed a claim with them once before and, of course, they still disallowed it. And now I am going through the process again. I would NEVER recommend Petshealth!!!