I AM SO IMPRESSED WITH PETFIRST. Really this was the first time I have ever had a puppy or insurance, and I see why its so needed. Honestly, I never thought i would use it, but after my puppy became sick, really sick, the vet bills piled up. We had to take her to an emergency vet, and get tons of iv fluids and on and on. Then 3000 dollars later and PetFirst has taken care of EVERYTHING. But the deductible. It saved us so much money and so many headaches. BUY THIS for your animal. You won’t regret it.