Compare PetFirst Pet Insurance

Comparison Fact Sheet

To get the most from these sheets, please read the Guide to Pet Insurance first.



Company Info
Company Name PetFirst
Also Known As / Affiliates / Partners  
Address 400 Missouri Avenue
Jeffersonville, IN 47130
Phone 1-855-270-PETS (7387)
Website www.petfirst.com
Plans That Provide Both Accident and Illness Coverage Accident and Illness Plan*
States Covered All 50 states, including DC
Underwriter and AM Best Financial Strength Rating Insurance underwritten by New Hampshire Insurance Company, The Insurance Company of the State of Pennsylvania or Independence American Insurance Company.

New Hampshire Insurance Company has an AM Best Financial Strength Rating of "A" and an Outlook of "Stable" as of 1/1/19.

The Insurance Company of the State of Pennsylvania has an AM Best Financial Strength Rating of "A" and an Outlook of "Stable" as of 1/1/19.

Independence American Insurance Company has an AM Best Financial Strength Rating of "A-" and an Outlook of "Stable" as of 1/1/19.

For the most recent ratings go to: AM Best and enter the name of the underwriter in the box labeled 'Text'.
Year Company Started 2004

 

Policy Basics
Policy Term 12 months
Effective Date The Effective Date will be listed on the Declarations Page of your policy after you apply and are accepted.
Enrollment Age Must be at least 8 weeks
Cancellation Policy Ask for a current copy of their insurance policy so that you may review their cancellation policy
Waiting Period 14 days after the policy effective date for illness.

Accident coverage begins the next day.

12 months after the policy effective date for Intervertebral Disk Disease.

12 months after the policy effective date for cruciate problems.
Waiting Period for Cruciate Injury 12 months after the policy effective date
Coverage When Travel Out of State or Country? Out of State Coverage - You WILL be covered while traveling to other states with your pet.

Out of Country Coverage - ?
Can the Price of the Policy Increase as my Pet Ages? Yes, the policy premium can increase as your pet ages. The premium may also increase due to inflation or other reasons.

Contact the company for more information on when and how your premium may increase.
Does Coverage Stop Due to Age? No
What Happens when the Policy Renews? Chronic conditions will continue to be covered as long as you do not go over your Maximum Annual Payout.
Can the Price of the Policy Increase if a Claim is Filed? No
Choice of Vet? You can choose any licensed veterinarian in the US
Money Back Guarantee? If you change your mind within 14 days they will refund your money in full as long as you have not filed a claim.
Surcharge for Visiting a Specialist or Emergency Clinic? No
Referral needed to Visit a Specialist? No
Pre-certification Required? No
Additional Requirements **See actual policy or call PetFirst for a complete list of the requirements you are expected to adhere to in order to maintain coverage.
Pet Insurance Policy Available for Pre-Purchase Review? Sample policy available by request

 

What's Covered
Species Covered Dogs and Cats
Accident/Injury -
Baseline Coverage		 Covers examinations, diagnostics and lab tests, surgery, treatments, hospitalization, prescription medications.
Illness -
Baseline Coverage		 Covers examinations, diagnostics and lab tests, surgery, treatments, hospitalization, prescription medications.
Behavioral Therapy Coverage Behavior training is available under the Routine Care Addon.

It is unclear if behavior therapy is covered.
Alternative Therapy Coverage [INCLUDED] Alternative therapy is covered.

Treatment must be offered by a licensed veterinarian.
Pre-existing Conditions Policy Pre-existing conditions are not covered.

According to their website, pre-existing conditions are:

"...accidents or illnesses that have shown signs to be present prior to the start of coverage or during the waiting periods. A pre-existing condition means that the condition first occurred or showed clinical signs or symptoms (there doesn’t need to be a diagnosis) before your pet’s coverage started (including wait periods). A pre-existing condition can also be an injury or recurrence of an injury that occurred prior to enrollment or during waiting periods."

**See actual policy or call PetFirst for complete description of pre-existing conditions.
Hereditary & Congenital Conditions Coverage [INCLUDED] Hereditary and congenital conditions are covered.

These types of conditions are covered as long as your pet is not showing signs and the disease has not been diagnosed or suspected prior to enrollment or during the waiting period.

**See actual policy or call PetFirst for a list of their Breed-Related Conditions and complete description of their Hereditary & Congenital Conditions Policy.
Continual Coverage for Chronic Conditions [INCLUDED] Continual coverage for chronic conditions is included with the policy.

Chronic conditions are covered up to the Maximum Annual Payout.
Chronic Conditions Policy They do not cover chronic conditions that are pre-existing or that occur during the waiting period.

**See actual policy or call PetFirst for complete description of their Chronic Conditions Policy.
Cancer Coverage [INCLUDED] Cancer conditions are covered if they are not pre-existing and have not occurred during the waiting period.

(See Chronic Conditions Policy above)
Cancer Coverage Limits Cancer will be covered up to the Maximum Annual Payout.

(See 'Continual Coverage for Chronic Conditions' and 'Chronic Conditions Policy' sections above)
Hip Dysplasia [INCLUDED] Hip Dysplasia is included in the core policy as long as your pet is not showing signs and the disease has not been diagnosed or suspected prior to enrollment or during the waiting period.

(See 'Hereditary & Congenital Conditions Coverage' section above)
Prescription Drug Coverage [INCLUDED] Prescription medications are reimbursed according to the medical condition that has been diagnosed.

**See actual policy or call PetFirst for full list of inclusions and exclusions
Pregnancy Coverage ?

**See actual policy or call PetFirst for full list of inclusions and exclusions
Routine/Wellness Coverage [OPTIONAL] - Available as an addon.
Vaccinations See Routine/Wellness Coverage
Spay/Neuter See Routine/Wellness Coverage
Dental Care (Routine) See Routine/Wellness Coverage
Dental Care (Illness/Accident) The extent of coverage for Dental Accidents and Illness is not clear.

**See actual policy or call PetFirst for full list of inclusions and exclusions.
Bilateral Conditions Policy If your pet has a cruciate injury that is pre-existing but injures another leg after the 12-month waiting period, it will not be covered.

It is not clear whether or not other conditions fall under their bilateral conditions policy.
Coverage - Overview
(please read policy for full coverage details)		 Diagnostics and treatments due to illness and accidents

[Included] Prescription Medications, Continual Coverage for Chronic Conditions, Hereditary & Congenital Conditions, Hip Dysplasia, Cancer Coverage (Refer to each category's section for limitations)

[Optional] Routine/Wellness Coverage (Refer to each category's section for limitations)

**See actual policy or call PetFirst for full list of inclusions, exclusions, limitations and conditions.
What's not Covered - Overview
(partial listing, please read policy for full details)
  • Pre-existing conditions
  • Conditions that occur during the waiting period
  • Elective procedures
  • Expression or removal of anal glands or anal sacculitis
  • Orthodontics, endodontics, treatment of periodontal disease and removal of deciduous teeth
  • Treatment of foreign body ingestion, occurring more than once per policy period
...See policy for a complete listing

 

How The Policy Works
Co-pay 10%, 20% or 30%
Deductible $50, $100, $250 or $500
Flat Deductible vs % Deductible Flat
Deductible Per Incident vs Annual Deductible Per Incident.

Ask PetFirst if the per incident deductible resets each policy year.
How is Reimbursement Determined ?
Max Payout Annually $2,000, $5,000, $10,000
Max Lifetime Payout PetFirst does not have a maximum lifetime payout
Max Payout per Incident PetFirst does not have a maximum payout per incident.
Max Payout Based on Body System PetFirst does not have a maximum payout based on body system
Client Reimbursed or Vet Paid Directly You pay the veterinarian and then you are reimbursed after you file the claim.

 

Pricing
Approximate Monthly Costs Approximately $24 - $115 depending on the plan, species, addons, etc

 

Additional Info
My Review PetFirst Review
What are Customers Saying? PetInsuranceReview.com and Yelp.com
Better Business Bureau bbb.org
Additional Info  

*The information in the above charts applies to Pet First pet insurance plans that cover illness and accidents. If your pet is only eligible for accident coverage, please contact Pet First for details on that policy.

**Disclaimer: These charts are created based on my research. While I do my best to stay current, information can change quickly. Also, terms and conditions can vary from state to state. Before buying a pet insurance plan, confirm all information by calling the company or reading the most current policy. We will not be held liable for errors or omissions. If you see something that is incorrect or needs clarifying, please let me know.

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