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COMPANY PROFILE
- Company: PetFirst Healthcare
- Market Share: 4.3%*
- Insurance Underwriter: AAIC
- Underwriter A.M. Best Insurance Rating: A+
- Headquarters: Jeffersonville, Indiana
- Year Founded: 2004
- CEO: Brent Hinton
THIRD PARTY REVIEWS
- BBB Rating: A+
- BBB Accredited? Yes
- BBB Complaints Last 12 Months: 21
- BBB Complaints Last 3 Years: 42
- Avg Pet Insurance Review Score: 8.0**
- Total Pet Insurance Reviews: 99**
- Facebook Page: 22,119 like this
- Twitter Page: 401 Followers
- AAHA Accepted? No
- NAPHIA Member? Yes
POLICY & SERVICE HIGHLIGHTS
- Dog Insurance & Cat Insurance Available? Yes
- Customizable Deductible & Co-Payment? Yes
- Per Incident Deductible? Yes
- Annual Deductible? No
- Hereditary & Congenital Coverage Available? Yes
- Wellness & Routine Care Coverage Available? Yes
- Alternative Therapies Coverage Available? Yes
- Pre-Existing Conditions Coverage? No
- Benefit Schedule for Accidents & Illness Coverage? No
- Per Incident Limit? $3,500
- Annual Benefit Limit? $15,000
- Lifetime Benefit Limit? None
- Minimum Age for Coverage:
- Maximum Age for Coverage: None
- Cruciate Ligament & Orthopedic Policy: 1 day, do not cover ACL, MCL, CCL, hip dysplasia or luxating patella
- Policy Exclusions: See full list of policy exclusions below
- Waiting Period: 1 day for accidents, 1 day for wellness & routine care, 14 days for illnesses
- Claims Reimbursement: 10 days
- Multiple Pet Discount: 22% for two pets and 33% for three pets
- Vet Policy: Use any licensed veterinarian in the U.S.
- Phone: 1-866-937-7387
- Hours of Operation: Mon - Fri: 8:00 am - 9:00 pm EST
- Trial Offer: 15 days
- Get Pet First Healthcare Insurance Quotes
ADDITIONAL POLICY & COVERAGE DETAILS
- Provides pet health insurance both for dogs & cats
- No age limit on policy renewals
- Riders provide additoinal coverage such as wellness and routine care (see below)
- PetFirst Healthcare offers five different pet insurance plans:
- Accident Only
- Accident
- Annual limit $3,000
- Per incident limit $3,000
- Per incident deductible of $50
- 100% reimbursement
- Any age
- Cannot add riders
- Senior
- Accident
- Illness
- Routine care
- Annual limit $2,000
- Per incident limit $2,000
- Routine care annual limit $125
- Per incident deductible of $100 (does not apply to routine care)
- 80% reimbursement
- 10 years old and up
- Basic
- Accident
- Illness
- Routine care
- Annual limit $7,500
- Per incident limit $1,500
- Routine care annual limit $125
- Per incident deductible of $100 (does not apply to routine care)
- 90% reimbursement
- 8 weeks old to 9 years old
- Advertising and reward $300
- Kennel and boarding fees $300
- Add any rider*
- Preferred
- Accident
- Illness
- Routine care
- Annual limit $12,000
- Per incident limit $2,500
- Routine care annual limit $250
- Per incident deductible of $100 (does not apply to routine care)
- 90% reimbursement
- 8 weeks old to 9 years old
- Advertising and reward $300
- Kennel and boarding fees $600
- Loss by theft or straying $300
- Trip cancellation $600
- Add any rider*
- Preferred Plus
- Accident
- Illness
- Routine care
- Annual limit $15,000
- Per incident limit $3,500
- Routine care annual limit $400
- Per incident deductible of $100 (does not apply to routine care)
- 90% reimbursement
- 8 weeks old to 9 years old
- Advertising and reward $500
- Kennel and boarding fees $600
- Loss by theft or straying $500
- Trip cancellation $600
- Burial or cremation $150
- Add any rider
- Riders/Additional Coverage*
- Breeder's Coverage
- Pays up to $500 annually for emergency C-sections, infection, eclampsia, and mastitis as it relates to breeding for the female
- Additional $10 per month per pet
- Hereditary/Chronic/Congenital 25%
- Payments for Hereditary/Chronic/Congenital treatment up to 25% of the plan's per incident limit
- Additional $20 per month per pet
- Hereditary/Chronic/Congenital 100%
- Payments for Hereditary/Chronic/Congenital treatment up to 100% of the plan's per incident limit
- Additional $50 per month per pet
- Prescription Food
- Pays 25% of prescription food costs up to $250 per policy year
- Additional $5 per month per pet
- Routine Care 100
- Covers up to $100 of routine care expenses
- Included with Basic comprehensive coverage
- Available with Senior coverage
- Additional $5 per month per pet
- Routine Care 125
- Covers up to $125 of routine care expenses
- Included with Basic comprehensive coverage
- Available with Senior coverage
- Additional $9 per month per pet
- Routine Care 220
- Covers up to $220 of routine care expenses
- Included with Preferred and Preferred PLUS comprehensive coverage
- Additional $8.25 per month per pet
- Routine Care 250
- Covers up to $250 of routine care expenses
- Included with Preferred comprehensive coverage
- Additional $14 per month per pet
- Routine Care 400
- Covers up to $400 of routine care expenses
- Included with Preferred PLUS comprehensive coverage
- Additional $19 per month per pet
- Policy Exclusions:
- Pre-existing conditions
- Diagnosis, medical management, or surgical correction of patella luxation or hip dysplasia
- Diagnosis, medical management, or surgical correction of cruciate ligament damage or rupture to include treatment for the anterior cruciate ligament (ACL), medial cruciate ligament (MCL), posterior cruciate ligament (PCL), and cranial cruciate ligament (CCL)
- During the first 6 calendar months in which your policy is in effect, no coverage will be extended for the diagnosis, medical management or surgical correction of intervertebral disc(s) regardless of the procuring cause
- Treatment of periodontal disease
- Elective procedures, cosmetic surgeries, including but not limited to tail docking, dewclaws, skin folds, nail trims, and cropping of ears
- Expression or removal of anal glands or anal sacculitis
- Breeding or conditions relating to breeding (Activate the Breeder's rider to cover emergency C-sections, infection, eclampsia, and mastitis as it relates to breeding)
- Special diets, pet foods, vitamins, mineral supplements, grooming costs and bathing, including medicated baths (Add the Prescription Food rider to cover special diets and pet foods)
- Treatment of external parasites such as fleas, lice and ticks and preventable internal parasites such as heartworms, hookworms, roundworms, tapeworms and whipworms
- Orthodontics, endodontics and removal of deciduous teeth
- Time and travel expenses to the veterinarian's premises or hospital
- Illness or injury which arises out of racing, coursing, commercial guarding or organized fighting of your pet
- Congenital or hereditary defects or diseases (Add the Hereditary/Chronic/Congenital 25% or 100% rider to cover this exclusion)
- Continuous coverage of chronic and long term conditions that manifest in a previous policy year (Add the Hereditary/Chronic/Congenital 25% or 100% rider to cover this exclusion)
- Behavioral problems training or therapy (Activate a Basic, Preferred or Preferred PLUS plan to cover behavior training)
- Routine examinations, routine tests or screens, vaccines, teeth cleaning or polishing (Activate a Basic, Preferred, or Preferred PLUS plan to cover some or all of these expenses)
- Preventive treatments and diagnostics for, or conditions relating to, preventable parasites, including heartworm (Activate a Basic, Preferred, or Preferred PLUS plan to cover heartworm and flea prevention)
- Spaying/Neutering (activate a Preferred or Preferred PLUS plan to cover a spay or neuter)
- Treatment of foreign body ingestion occurring more than once per policy period
- Treatment for illnesses is not covered by the Accident-Only plan
www.petinsurance.com*
As of 1/5/2012 www.petinsurancereview.com**
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