I adopted a four month old kitten from a local shelter. I took her to the vet prior to my Pets Best policy taking effect. What a mistake!!! Since that initial health exam every claim I have submitted has been denied due to pre-existing conditions. I guess I should have taken her to the vet pre-adoption for a check up and returned her if she did not have a clean bill of health. Maybe I should have had her evaluated in momma's womb. Pets Best at one time was good insurance, however since being taken over by Aetna all they want is to collect your premium and deny legitimate claims.