I have never been so disappointed in an insurance company as I am with pet first insurance. I have a Sheba Inu she has been every healthy until about a year ago had a CCL and lucating patella had to have surgery cost was $1500.00. I had to really aright to even get the insurance to pay $300.00. The policy has $1000.00 per year. Not she got ill with an acute illness just a few days before a new policy turned over and a follow up visit has been denied. Seriously she only has $1000.00 per year.I really give this insurance a big fat 0. Do not get this insurance.