Whatever you do... search around for pet insurance before you settle with PetFirst. I have been a customer for over 11 years and over the last 5 years they have increased my monthly premium $25-35. No additional benefits offered. If you want to reduce your premium they will transfer you to a salesperson whom job is to make sure they meet their bottom line so he will offered to increase your deductible to decrease premium. Also, this insurance company offer no REAL incentives. Only incentive offered to me was .. get this... if you DON’T file a claim within a calendar year you get a $25 decrease off your deductible. PLEASE do your homework before selecting a insurance company for your baby.