I adopted a 4 month old lab mix on a Saturday we were happy she came with 30 days of Petfirst insurance, when rescuing a puppy you never know what can happen. We planned to keep the policy to make sure she was well taken care of. The next business day (Monday) I called to activate the policy everything was great they said it would be considered "active" on Tuesday. Monday night our puppy vomited, I immediately took her into the vet Tuesday thinking it was no big deal the policy was active. I sent the claim and notes in the same day. A few days later I received DENIED on my first claim because "the puppy got sick the night before the policy was active, her "gastritis" condition was considered pre- existing." Pre- existing by ONE NIGHT and AFTER I already called to activate the policy! WORST first experience ever! We are now left with over $300 worth of Vet bills, if this is a glimpse into how this insurance works then I see no point in paying a premium for denied claims.