watch out for these people. they are still insurance people. they will try to find any loop holes to deny your claim!
i took my dog in for a emergency visit cause of pain somewhere. obviously my dog was experiencing pain somewhere so i took him in. i filled out all the paperwork as their website posted only to find out that they had denied it. apparently i didn't check the box that was associated with "previous condition or not". it was a ER visit! ofcourse it wasn't previous! it was the first time my dog had behaved that way! if they had read the medical report that was also submitted with the claim, then it would have been perfectly clear! but i guess they have a bunch of dumb auditors....
good luck if you have Pets Best! this is my personal story and just wanted other people to know!