First of all, out of the pet insurance companies that I contacted, Pet First was the only one that would insure my cat (who was then 10) for accident and illness. The others would only do accident. My cat is an indoor only cat, so not much chance of injury. My cat is now approaching 14 in October. He has had 2 or 3 surgeries for crystals (stones) in his urinary tract, been diagnosed with arthritis, and most recently diagnosed with chronic renal failure. If I had not had Pet First Insurance, I would have had to use a credit card or make the difficult decision to have him put down. Pet First has saved my cat's life more than once. My only complaint is the turn around time for reimbursement.