I have had my 3 dogs on a Petfirst Policy for over 4 years now. They used to be good and would cover at least 50% of the costs for Annual exams, Accidents, Dental Cleanings and Heartworm preventative medications. They monthly charge for the policy started out around $70 a month and went up around 10% every year.
My monthly cost in early 2012 was $92 until this last June when the monthly cost went up to $114, and at the same time they converted the policy to an accident only policy and added a $100 per visit deductible without telling me what they were going to do. So now I get no coverage for annuals, which cost around $200 per dog per year. The policy that used to cover Accidents and Wellness care, now only covers Accidents, but the price did NOT go down, it went up instead.
They just renewed the policy and hoped I would not catch the changes. If they were going to make a major change to my insurance policy, I would expect them to send me a letter that explained what they were going to do and why. The new policy has so many exceptions written down that they can basically refuse to pay for anything they don't want to pay for and can dream up a reason based on those exceptions.
I will not renew with them again and am currently looking for another insurance carrier.