PetFirst
- PetFirst is partnered with the Humane Society
- Short waiting period before coverage begins
- Hereditary, congenital & chronic conditions
- No exam required
- Coverage for exam fees
PetFirst Healthcare LLC is a company that provides pet insurance coverage for cats and dogs. The company was founded in 2004 and is based in Jeffersonville, Indiana. It operates in all 50 states in the USA.
Up to 90% Vet Bill Reimbursement
- Get up to 90% back at any vet
- Comprehensive illness & accident coverage – no levels
- Optional wellness plan covers routine vet, grooming, & training costs
- Customizable annual deductible, annual limit, & reimbursement percentage
24/7 Telehealth Helpline
- 30-Day Money-Back Guarantee*
- Up to 90% reimbursement on eligible vet bills
- Multi-pet discount & access to 24/7 vet helpline
- Visit any U.S. licensed veterinarian or specialist
- Accident, illness, and optional preventive care coverage available
No Upper Age Limit on Enrollment
- Comprehensive coverage at affordable prices
- No upper age limit on enrollment
- Choose $5000 annual or unlimited benefits
- 24/7 veterinary support line for all customers
Coverage Starting at as Little as $10 per Month
- Coverage starting at as little as $10 per month
- Optional preventive care policy available
- Quick claims payment & easy-to-understand policies
- Live chat with veterinary experts through mobile app
Coverage for Pets of Any Age and Breed
- Coverage options for less than $1 a day
- Reimbursement for up to 100% of vet costs
- Customizable deductible and reimbursement rates
- Take your pet to any licensed vet, emergency clinic, or specialist in the US
- Coverage for pets of any age and breed
- Family plans with a single deductible for the whole furry family
Coverage
PetFirst offers accident and illness coverage for pets, which is the standard coverage offered by most pet insurance providers. However, what sets PetFirst apart from other providers is that they do not have waiting periods for certain conditions, such as hip dysplasia, patella luxations, and orthopedic conditions. Additionally, they offer a wellness plan as an add-on for pet owners.
The company's coverage includes accidental, illness, hereditary, congenital, cancer, chronic, accidental dental, and dental illness. They cover a wide range of medical treatments such as diagnostic testing, surgery, hospitalization, prescription medications, emergency care, specialty care, alternative care, and behavioral therapy.
PetFirst allows pet owners to select any vet they want without pre-approval, which gives pet owners more flexibility and convenience when choosing a vet for their pets.
PetFirst has no upper age limit on enrollment, which means that pets of any age can be covered for life. They also offer an enrollment process that is easier than most providers. Unlike some other pet insurance providers, PetFirst does not require a vet exam, and accident coverage starts in just 24 hours.
Enrolling in PetFirst is painless and lenient compared to other pet insurance providers. The company does not require a vet exam, and accident coverage starts at midnight on the day of enrollment. Illness coverage starts after 14 days. PetFirst has no fee to cancel, and pets of any age can be covered for life.
Pricing, Deductibles, and Reimbursement
It is important to note that PetFirst's upper-tier plans are on the pricier side, and the company does not offer unlimited coverage. The company offers annual limits of $5,000, $10,000, and $20,000, which can be limiting for pet owners with higher medical expenses.
PetFirst offers flexible deductibles of $50, $100, $250, and $500. They also give pet owners the option of setting their reimbursement rate at 70%, 80%, or 90%. PetFirst's lower annual limit plans offer average monthly deductibles compared to similar plans, but their higher limit plans are pricier.
In terms of claims, PetFirst offers healthy pet discounts every year that a pet owner does not make a claim. They also do not increase premiums based on the number of claims made. Pet owners can submit claims by mail, email, fax, or online portal. PetFirst's advertised response time is 14 days.
