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 |
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 |