Out of 10

Our cat had tiny spots of blood in his urine. The hospital kept him overnight and did all sorts of 'rule out' tests. Bad news: $1,000 bill and NO insurance. Good news: every test was normal. Final vet report showed every system normal, no illness or condition found, no re-occurence of blood spots and speculated the cause was likely dietary related (something he swallowed). Shopped for insurance and all but PetFirst insisted on exclusions for various major conditions our cat DID NOT HAVE. All others zeroed in on the $1,000 bill and ignored it was for 'rule out' testing and ignored the fact our cat was found 100% healthy with no known illness or condition. A PETSMART exec read the report and told me IN WRITING (amazing) that so long as our cat was not found to have any illness/disease and was 100% healthy they would not consider him to have any pre-condition. Six months later our first $500 claim for a new illness was paid ASAP. Too bad PetFirst excludes chronic illness. Would be great if they offered such coverage as optional.

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