For routine care returns, the insurance is great. However, in terms of accident/illness coverage, I find it disappointing. My dog unfortunately got a hold of pork rib bones from the ground, so she was taken to the vet ER. We were reimbursed as expected; however, several months later, she ate something else off the ground that she's not supposed to, so she was taken into the vet ER again. Well, Petfirst declined the claim this time around. Their explanation was "treatment of foreign body ingestion, more than once per policy not covered per exclusions" So, for those pet owners who have dogs that likes to try and eat anything and everything, look elsewhere. Like another reviewer said, read the exclusions.