My dog had a traumatic injury that injured his patella. They refused to pay my claim b/c they said it was congenital. The dog did not limp before the injury. I filed a dispute and they still said the same thing. The company is a joke and they steal money. I guess since all animals have genes then every condition is congenital. They just did not listen to me or my vet. I am going to specidically not recommend Pets Best to all my friends/relatives. Also it took almost 3 months to get as far as I have gotten. They are worse than people insurance. They probably just reject claims hoping that no one will dispute them.
Age of Pet