PetFirst Healthcare LLC began in 2004 when founder Brent Hinton’s dog suffered a knee surgery that cost a whopping $3,000 to heal. The founder was outraged by the high price and thought other pet owners needed protection from being gouged by these outrageous medical bills.
The pet insurance company is based out of Jeffersonville, Indiana and offers coverage for dogs and cats anywhere in America. Prices vary per pet and are based on a number of different criteria points for each quote.
The company offers discounts to pet owners who have multiple pets. Customers can choose any vet without having to get pre-approval. They offer accident and illness coverage, but one thing that sets them apart is no wait periods for things like patella luxation or hip dysplasia. This PetFirst pet insurance review will cover the basics behind the company.
|Monthly Premium||$15 – $50+|
|Deductible||$50, $100, $250, $500|
|Benefit Limits||$5,000, $10,000, $20,000|
|Coverage||Accidents, Illness, Behavioral Therapy, Hip Dysplasia, and Orthopedic Conditions|
Insuring Dogs and Cats Online
PetFirst offers insurance for cats and dogs, but it doesn’t work exactly like healthcare plans for a person. Medical insurance for pet owners is typically reimbursement based which is ideal for pet owners because they can use any vet or specialist.
With PetFirst, customers can upgrade or downgrade their policy at any time, and they can also choose to pay monthly or annual fees with yearly options available at a discount. Pet owners also choose the reimbursement percentage and deductible.
As listed on the PetFirst website, simply take your pet to the local vet or specialist and pay the bill as prompted. After your pet has been cared for, send the claim, invoices, and any notes to PetFirst and just wait for the reimbursement which generally comes within two weeks.
PetFirst Pet Insurance Pros and Cons
- No sign-up fee or cancellation fee
- No network of providers to worry about with pet healthcare
- You can choose your annual benefit (which resets each year)
- Pre-existing conditions may not be covered
- Some negative reviews say they need twelve months of vet records
- Several complaints on Yelp about customer support
The Cost of Pet Insurance
The cost of PetFirst insurance will vary depending on the age of the pet, the breed, and zip code. Beyond this information, there will also be the selected plan and limitations to consider for added fees or additional costs.
As a pet gets older, the insurance premiums will also go up slightly each and every year.
The monthly premiums for PetFirst currently begin at $16.95 for dogs and $8.95 for cats with annual limits of $1,000 and pre-incident deductibles of $500 with a 70 percent reimbursement rate.
While there are many other options to consider, the basic plans are listed as Lifetime 5,000, Lifetime 10,000, and Lifetime 20,000. The number is associated with the annual limit of the policy.
Each plan offers accidental or illness coverage, all ages, no per-incident limit, chronic coverage, hereditary coverage, and congenital coverage. There is also a lifelong coverage guarantee.
Based on the current annual limit, the Lifetime 5,000 option costs $37 per month, the Lifetime 10,000 costs $67 per month, and the Lifetime 20,000 costs $105 per month.
All in all, PetFirst is an online pet insurance agency that started when an outraged pet owner was forced to pay a huge pet medical bill. Dogs and cats can be covered, and prices vary depending on the breed and age. It’s best to visit the website and obtain a free quote. Overall, the prices are generally less expensive than many of its competitors.4.36 PetFirst Pet Insurance