PetFirst is one of the fastest-growing pet health insurance administrators in North America. They've helped thousands of families purchase insurance coverage to pay for their pets’ veterinary care. The company is proud to partner with shelters and rescues nationwide to encourage adoption and keep pets healthy and happy.
Pet insurance prices for PetFirst Pet Insurance vary based on your pet's breed, age, and the zip code you live in. Use Pawlicy Advisor to lock in the best price, and compare PetFirst to other leading pet insurance brands for free.
The sale of insurance represents a contract between the insurance provider, who carries the risk your pet will need treatment and you, who is responsible for paying insurance premiums. This contract typically carries an expiration date of one year from the effective (start) date unless you choose to renew the policy.
Each insurance provider offers different financing options, including whether you pay your pet insurance premiums on a monthly, quarterly, semi-annual, or annual basis.
Some insurance providers apply a payment transaction fee to your insurance premiums, but this fee can sometimes be waived if you choose the annual payment option.
The age at which your pet is first eligible to be insured.
If the insurance underwriter approves, your pet’s insurance coverage may be transferred when you transfer pet ownership by agreement or law.
Your pet must reside with you at the primary address you list for your insurance provider. It is your responsibility to notify the insurance provider of any change in address.
Geographical regions where incurred expenses will be covered by the insurance provider.
Rather than paying for your pet's treatment up front, you can submit a form to your insurer that approves the vet-recommended treatment and allows the vet to be paid directly by the insurer.
Hours of availability for the company's sales department.
Email address of the company's sales department.
Phone number of the company's sales department.
Hours of availability for the company's veterinary services department.
Email address of the company's veterinary services department.
Phone number of the company's veterinary services department.
A discount is applied when a policyholder insures two (2) or more pets or companion animals. This discount is applied to each additional pet insured in a plan.
Dental Coverage for Tooth Extractions
Dental Coverage for Illness-Related Cleaning
Use Any Vet
Because expenses are reimbursed by the insurance provider after treatment, you can use any vet with these plans.
Coverage includes chemotherapy and radiation treatment.
Genetic conditions common to specific breeds, often called breed-specific conditions. Examples: elbow and hip dysplasia, diabetes, upper respiratory infections, and thyroid disease.
Conditions the pet is born with, even if symptoms don’t show for some time. Examples: heart disease, nervous system issues, cataracts, and liver disease.
Condition that requires ongoing care.
A disease that affects an animal's hip joint.
Costs for the veterinarian's time consulting and overseeing your pet's treatment.
The plan covers infections, cancers and other illnesses that are typically not genetic.
The use of therapeutic exercises and other healing modalities to help pets recover from health conditions resulting from illness, trauma, or surgery.
The insertion of small needles to cause a desired healing effect.
Hydrotherapy involves the use of water to aid in the healing and/or conditioning of a patient. Pets either swim in a pool or tank for prescribed periods of time, or walk on an underwater treadmill.
Chiropractic adjustments include spinal manipulation and/or manual therapy.
A system of health care that concentrates on care of the whole animal by methods that are specific, gentle, and sympathetic to the body’s needs. Homeopathy is based on the utilization of specially prepared, refined dilutions of natural substances intended to trigger a healing response in a patient.
Naturopathy is a system of treatment of disease that avoids drugs and surgery, and emphasizes the use of natural agents (air, water, and herbs) and physical means (tissue manipulation and electrotherapy).
Exams or consultations affiliated with a covered insurance condition, such as accident or illness, not preventive.
Intravenous (IV) Fluids and Medications
Medical Supplies (bandages, casts, and splints)
Exam Fees for a Covered Occurrence
Prescribed Foods + Medication
Prescription medications are approved by your vet for the treatment of your pet's ailment.
Laser therapy is a noninvasive procedure that uses light to stimulate cell regeneration and increase blood circulation. It can treat acute and chronic injuries, sprains and strains, arthritis, swelling, and muscular-skeletal abnormalities. It also helps to regenerate nerve tissue after surgery.
To submit your claim, the following information is needed:
You may file a claim via the MyPets Online Account, emailing firstname.lastname@example.org, faxing 877-281-3348, or mailing PetFirst's Claims Department at 400 Missouri Ave, Suite 105, Jeffersonville, IN 47130. The steps you need to take include: (1) complete and sign a claim form, (2) get veterinary medical records (SOAP notes) from the incident, and (3) get an itemized invoice from the incident. If your pet is less than 12 months of age, get all vet visit medical records. If your pet is older than 12 months (not adopted) pinclude the past 12 months of medical records at least. If you adopted our pet, include your adoption records.
You may file for reimbursement from your insurance provider for treatment and covered services that occurred within this number of days.
Insurance providers work hard to process your insurance claims as quickly as possible. The amount of time it takes to process a claim varies by provider.
Typical The longest amount of time it takes the insurance provider to process a claim.
You may cancel this policy at any time. PetFirst will return unearned premium paid to to you within thirty (30) days of receipt of the request for cancellation or the effective date of cancellation, whichever is later. Cancellation requests you make within thirty (30) days of the effective date, provided no claim has been made, will be refunded.
PetFirst has continuous coverage over the lifetime of a pet so long as a pet owner does not fail to pay the premium, facts haven't been misrepresented, and the pet owner has not committed fraud.
The specific language used to describe what is considered a pre-existing condition is specified per-policy. Below is PetFirst Pet Insurance latest definition:
Any illness, condition requiring medical treatment or injury affecting your pet that manifests, whether diagnosed or treated, prior to the inception date of this policy. Also, coverage for treatment of leukemia for cats may be made effective after you provide documentation of a negative FeLV test and proper vaccination from a veterinarian.
PetFirst Healthcare, LLC is the program administrator authorized to underwrite and administer pet health insurance policies and claims on behalf of New Hampshire Insurance Company (NHIC), The Insurance Company of the State of Pennsylvania (ISOP) or Independence American Insurance Company a Delaware insurance company in approved states. For a complete listing of approved states, please contact PetFirst Healthcare, LLC.
Take the uncertainty out of your pet insurance search. Pawlicy Advisor is the leading independent marketplace for finding the best coverage for your pet at the lowest rate.