I have been paying a premium of $55.15 per month for a 90% payback policy. I submitted a claim of $288, and the payback was $107, once they subtracted the $100 deductible and all the other things that they will only pay a limited amount under their Wellness Plan. Then I submitted another claim a couple of weeks later, as my 1 year old dog needed to have some eye surgery, and was told I would have to pay yet another $100 deductible. The deductible is per INCIDENT, and not per year, so look out!! You will receive very little back, if any at all when you submit a claim. I cancelled my policy, and I'll take the $55/month that I was paying PetFirst, and put it in an account for my pet's healthcare. If I'm going to have to pay for most of the bills, besides paying my premiums, I might just as well save the headache of the paperwork and save a little money by paying for it out of my own account.