My 6 month old puppy injured her leg while playing with another dog. In the veterinarian's notes it clearly stated the mechanism of injury. We did an x-ray with sedation to check for a bony injury. Luckily, it was just a soft tissue injury. Unfortunately, the x-ray did show some bilat hip dysplasia which may bother her later in life. The notes from the vet stated this was a subsequent finding. Pets Best denied the claim based on the subsequent diagnosis of hip dysplasia. I did appeal the claim which was a ridiculous amount of paper work and was eventually paid. In addition, it took 35 days and three phone calls from the time I submitted the original claim to find out that I was denied.