FAQs

Q:Can I pay my pet insurance premium annually?
A: Yes. You can save $12 if you choose to pay your policy premium annually rather than monthly.

Q: What kinds of payment plans are available?
A: You may pay in full with a check, money order or credit card OR you can make monthly payments that are automatically charged to your credit or debit card. Like mentioned above, you can save $12 if you choose to pay your policy premium annually rather than monthly.

Q: Is there a waiting period for my policy to become effective?
A: Accident coverage and routine care coverage are effective at midnight ET following your pet’s enrollment. Illness coverage is effective 14 days later.

Q: Do all veterinarians accept this pet insurance?
A: Yes. Because PetFirst Healthcare works as a reimbursement program, policyholders are free to use any licensed veterinarian within the U.S.

Q: Is there a multiple pet program available?
A: Yes, Family Plans are available with Preferred or Basic coverage and are designed especially for multi-pet households. With this option, you insure up to three pets under one plan for a fraction of the cost. Your family coverage may include cats, dogs or a blend of the two.

Q: Complete instructions for filing claims are available by clicking here.
A: It is easy to file a PetFirst Healthcare claim. Complete instructions for filing claims are available on the PetFirst claim form.

Q: How long does it take to process my claim?
A: Our processing time is 10 business days once we have all of the needed information.

Q: How long do I have to file a claim?
A: You have 90 days from the treatment date to file your pet’s claim.

Q: Is there a deductible or co-payment as part of my pet’s pet insurance coverage?
A:First and Accident plans reimburse 100% after a $50 per incident deductible.  Basic and Preferred plans reimburse 90% after a $100 per incident deductible.  The Senior plan reimburses 80% after a $100 per incident deductible.  There is no deductible on routine care claims.

Q: Are there any exclusions to PetFirst’s coverage?
A: Yes. PetFirst’s coverage has some exclusions to help keep rates low. Exclusions include:

– Preexisting conditions
– Elective procedures and cosmetic surgeries, including but not limited to tail docking,   declawing, skin folds removal, nail trimming, and cropping of ears
– Expression or removal of anal glands or anal sacculitis
– Breeding or conditions related to breeding
– Special diets, pet food, vitamins, mineral supplements, grooming costs, and bathing   (including medicated baths)
– 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
– Diagnostic test(s) and treatment(s) for conditions excluded or limited by this policy and   complications of conditions excluded or limited by this policy
– Time and travel expenses to the veterinarian’s premises or the hospital
– Illness or injury that arises out of racing, coursing, commercial guarding, or organized   fighting of your pet
– Congenital or hereditary defects or diseases
– Continuous coverage of chronic and long-term conditions that manifest in a previous policy   year
– Behavioral problems, training, or therapy (Behavior training is covered by Preferred and – –   Preferred Plus plans)
– Routine tests or screens (Routine screens are covered by Preferred and Preferred Plus plans)
– Teeth cleaning or polishing (Teeth cleaning is covered by Preferred and Preferred Plus   plans)
– Preventative treatments and diagnostics for, or conditions relating to, preventable parasites,   including heartworms (Heartworm and flea prevention is covered by Basic, Preferred and   Preferred Plus plans)
– Spaying/neutering (Spaying and neutering are covered by Preferred and Preferred Plus   plans)
– During the first 12 calendar months in which your policy is in effect, no coverage will be   extended for the diagnosis, medical management, or surgical correction of anterior cruciate   ligament (ACL) or cranial cruciate ligament (CCL) damage or rupture.
– During the first six 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.