I can't find a better deal!

Out of 10

After reading the review that calls attention to the fine print on this company's policies, specifically the exclusion on coverage for conditions that manifest during the previous policy year, I did a lot of comparison research.
I really think this may be a matter of getting the best deal for the money. The routine coverage of $220 per dog, under the preferred policy, just can't be beaten. Even with the allotments within the $220, it all gets used. That's a guaranteed recovery of $440 a year for my two dogs, which reimburses me more than half of the year's premiums, even if no illness occurs. When accident or illness DOES occur, the $50 deductible with 90% reimbursement appears unusual among companies I've found, unless I'm going to pay much more money.

In sum, it appears to me that, in order to overcome the disadvantages of Petfirst, I would have to roughly DOUBLE my premiums paid, and would most likely recover nothing during the year. A $200 deductible appears standard with most policies, and with a typical illness, I would not reach that threshhold.

I'm into my 3rd year with Petfirst, and the fact is that I've not lost a penny. Each year, I've recovered more than I put in, and so I'm staying with them. I do see that I can overcome the exclusion mentioned by putting a rider on my policy, but that would either double or triple my premium, depending on the level of coverage I chose under that rider. From a statistical standpoint, I can't justify the extra cos

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