I've had PetFirst policies for about four years now, covering four dogs and a cat; two dogs on one policy, two on another and the cat on his alone.
When I read the prior review complaining about the cost and lack of well coverage, I found a few things that I would have to say are inaccurate. I have to ask where that person lives that charges so much for an annual exam. $200? I lived the last four years in Los Angeles, and even there an annual exam was only $83. You can still get a rider to get some reimbursement on well and preventive care, which would include some money back for annual exams, dental cleanings, well blood work, heartworm tests, vaccines, etc. I dropped that rider because the additional cost for five pets outweighed the benefit of what I got back for the services, but that doesn't mean it wouldn't work for everyone. If you want those services covered, the option is there.
Also, unless you have some sort of problem in your claim history, I don't think they'd covert it to accident only and drop illness coverage. Again, I can't say that definitively as I don't know your specific claim history, but that doesn't sound right.
Yes, there was a minor price increase for me between years one and two, and then two and three, but no increase when I renewed for year four. Yes, they raised the deductible from $50 to 100 per incident, but at a 90% reimbursement rate, I can't blame them for that! 90% back as the standard is almost unheard of, and I rememb