I had Petfirst for about 3 years with my older Shepherd Mix who was eventually diagnosed with cancer. They covered the 90% of our expenses even after we switched vets and some tests had a to be repeated. They reimbursed me almost 1200$ I was really surprised. I have always found them to be easy to deal with and reliable. They pay their claims fast. The only issue I ever had was they raised the price unexpectedly 1 year and never offered an explanation or gave a warning that it would go up. All i got was a policy renewal with a price increase. I just got a new dog and signed up for their policy again. Hopefully it all goes smoothly again.