We adopted a puppy on a Sunday and by Wednesday morning she was diagnosed with Parvo. A week later she died under vets care. We ended up with $2100 in vet bills from keeping her in the ER. I submitted the claim to PetFirst and it was denied because she got the Parvo before we adopted the puppy and thus the would not cover it because it was a "preexisting condition". Keep that in mind when going any kind of pet insurance. They will find a way to not cover your losses.