I had an insurance previous to petfirst. I barely got anything paid out from it. I was frustrated as ever! What was the point? When I got my second dog I must have cross compared 5-10 different pet insurance companies. Petfirst was by far the best. They had plans that included benefits for the yearly visits. I even remember seeing coverage for rewards for missing pets. I thought wow this is everything I could ask for and then some. Who would think a company would cover that or even cover you if you cancelled a trip for a sick pet?! I was thrilled. I had always hoped I wouldn't need to use the insurance. I got the middle of the road plan just to be safe. Well there have been a few times I've needed petfirst. My dog got bit in her eye by my other dog and that cost a few hundred. Petfirst was there! When my other dog was having trouble breathing and was later diagnosed with cushings petfirst rescued us from thousands of dollars in vet bills. I put no price on my animals wellness so I am glad to say I have an insurance that is there to save me from insane vet bills. Lastly, petfirst always processes everything in a timely manner and even let me know that I still had a check I hadn't cashed. I tell everyone I know if you have a dog, petfirst should be your number one choice for insurance.