I have been with Pet First for over 6 years with 3 pets. I had what I thought was there best policy since it even included well care. This was change when they called me in 2009. Until recently, I had been satisfied and thought my pets were protected against any major accidents. Then the disaster happened after paying they over $130 per month on what I thought was premier pet insurance, my one dog tore a CCL, which upon submitting the claim it was rejected due to clause number 17 which excludes this period! No waiting periods etc. When you review the major highlights on the policies front page it appears everything is covered unless you look at all the details page which is difficult even on the website. In my opinion, I feel that I have been scammed for the past 6 years.