So much hassle getting a claim paid. I'm investigating now if my problems are created due to the Veterinarian Office or Pet's Best. According to the Vet, all documents have been sent. Pets Best keeps denying payment as pre-existing or requested records never received. My dog is 11 years old. I've been with this insurance for years but not too happy with the results. Their "Pre-existing" definition is different than people. My dog had an ACL tear of her left leg. It was costly and that is when I decided to get insurance. Two or three years later she torn her right ACL. Payment was denied as pre-existing. Pets Best says once one leg gets a tear the other will so it's pre-existing. Whaaat?? I say read the fine print and ask questions before signing up. I give a one star only because it won't let me submit the review without it.