We adopted our kitten from the shelter, that really talked up the fact that we would get 30 days of insurance for free. Of course once we got the kitten, it had ear mites, needed shots, etc. Our vet submitted the claim form for us, but then we got an email saying they needed MORE records. My husband emailed our records, the vet faxed theirs. Because the documents weren't UPLOADED the claim was closed. The vet said they did what they always do for people with pet insurance. It seems like PETFIRST just makes it super hard to place a claim. We will NOT be buying a policy.