I initially purchased PetFirst Insurance for my Shih Tzu puppy 3 years ago. My experience thus far has been superb. While I have not had any serious medical issues with my furry friend, each of his routine medical visits, his neutering surgery, dental cleaning, etc have been covered without a hitch. The first year I was reimbursed more than the premium I paid, the second year it was pretty close. I recommend PetFirst very highly.