They are claiming a condition pre-existed when I had insurance 2 months before my dog went into surgery for a "mole" to be removed. Then during surgery they VET found lumps. So, now I am not getting reimbursed due to Pet Best saying the condition preexisted. How am I supposed to know my dog has lumps when they were internal and not showing. I have paid Per Best almost over $150 for insurance and now I had to pay $1,200 for VET fees that will not be reimbursed now! What a horrible experience with this company. I am out a lot of money but I thought I was covered and safe.