After spending over $4,000 on vet bills for my dog's two cancer surgeries and accompanying procedures, I was reimbursed a mere $500 by PetFirst. My policy covers up to $1000 per year, and if anything warrants PetFirst dishing out the whole amount it'd be the whopping bills I had. However, they denied me half, citing their sketchy "500 limit per incident" rule, regardless of the 2 major surgeries. I've paid $15 per month on this policy for years. I should've just kept the money in my savings in case of an incident instead of giving it away to PetFirst. I'll be cancelling my policy soon.