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Pet First Healthcare
PetFirst offers coverage with no per diagnosis limits and premiums unaffected by age, breed or location. The Family Plan from PetFirst allows owners to insure multiple pets under one policy.
PetFirst recently started selling insurance throughout Canada.
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60 days |
1 year |
Lifetime |
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10.0 |
7.6 |
7.9 |
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113 |
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10/10 Great for multi-pet households, 3/30/2013
Reviewed By: Jennifer, Recommend: Y
I just took out a policy for my four pugs teo policies with two dogs on each. I chose the standard 1000 plan without the wellness. I apy $33.90 for all four dogs I have a $100 deductible and 90% reimbursement. Pros are obviously the price by far the best I have come across in all my research because they offer the family plan, the only company in the industry that does this. I get 2000 annual coverage a 1000 for accident and 1000 for illnesses while i realize that is nt a whole lot of coverage to it's great for the price and for minor trips to the vet.Normally for that ow of a deductible the price with many other companies is much higher. The only insurance company that I have found that offers a discounted plan for rescue animals so I also get a discount since my pugs are all adopted from the rescue. Cons: If you go on a standard plan be aware that if a serious condition arises for instance, cancer it is only covered in the first year and at renewal will be considered pre-exisitng unless you choose the lifetime plan in which the monthly price will increase pretty substantially, also if you choose to go with the lifetime coverage you will not be able to get wellness that is only offered with standard plans.However, if you choose a standard plan you can add riders that will cover congential, heriditary and chronic conditions at $20.00 per a month more you can also add on breeders coverage which is a rare find in the industry as well as perscription food. In my research this w | | Injury/Illness: None Breed: Pug |
| Claim Amount: under $100 Age of Pet: 1 - 8 |
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4/10 Timelines for Filing Claims, 3/2/2013
Reviewed By: Stephanie, Recommend: N
I was disappointed to find that after 60 days, you can not submit a claim for reimbursement. With the money that I have paid in to this plan, I should be able to file a claim within the same claim year. Putting time limits such as sixty days is simply ripping off the consumer. I am very disappointed. | | Injury/Illness: bladder Breed: Shih Tzu |
| Claim Amount: $100 - $500 Age of Pet: 1 - 8 |
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6/10 As the years pass, benefits go down, rates go up, 2/24/2013
Reviewed By: Helen F. , Recommend: N
I have a pretty good sized pack with 5 cocker spaniels, two cats. The trouble is, once your pet is diagnosed with a disorder, they will no longer cover it when the policy is renewed the following year. This is why I have pet insurance to cover these expenses. The underwriters keep changing the exclusions on the poicies and I have 3. Now they want the senior pets to go on their own policies so they can jack up the rates. I don't think so.... I will be looking for another company after being with them for 5 years!!! | | Injury/Illness: not sure Breed: Domestic Shorthair |
| Claim Amount: $100 - $500 Age of Pet: 1 - 8 |
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10/10 I can't recommend them enough!, 2/23/2013
Reviewed By: Debbie, Recommend: Y
I've had PetFirst policies for about four years now, covering four dogs and a cat; two dogs on one policy, two on another and the cat on his alone.
When I read the prior review complaining about the cost and lack of well coverage, I found a few things that I would have to say are inaccurate. I have to ask where that person lives that charges so much for an annual exam. $200? I lived the last four years in Los Angeles, and even there an annual exam was only $83. You can still get a rider to get some reimbursement on well and preventive care, which would include some money back for annual exams, dental cleanings, well blood work, heartworm tests, vaccines, etc. I dropped that rider because the additional cost for five pets outweighed the benefit of what I got back for the services, but that doesn't mean it wouldn't work for everyone. If you want those services covered, the option is there.
Also, unless you have some sort of problem in your claim history, I don't think they'd covert it to accident only and drop illness coverage. Again, I can't say that definitively as I don't know your specific claim history, but that doesn't sound right.
Yes, there was a minor price increase for me between years one and two, and then two and three, but no increase when I renewed for year four. Yes, they raised the deductible from $50 to 100 per incident, but at a 90% reimbursement rate, I can't blame them for that! 90% back as the standard is almost unheard of, and I rememb | | Injury/Illness: gastritis/vomiting Breed: Chihuahua |
| Claim Amount: $500 - $1000 Age of Pet: 1 - 8 |
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10/10 Arguably one of the best pet insurance plans, 2/10/2013
Reviewed By: Charlene L-S, Recommend: Y
I have had a policy with this insurance company for two years now, specifically, their Preferred Plus with Routine 400. I pay $106.95/month for two dogs. I adopted two dogs from a shelter two years ago and both have recurrent health problems. During the first year, I brought them to the hospital several times and PetFirst reimbursed me a total of $866.30 for accidents/illnesses. They also reimbursed me a total of $666.40 for wellness (flea/tick prevention, vaccinations, routine exam, screening, etc.) The policy also covers $75 worth of behavioral dog training per dog, so I always schedule a session every year. I have absolutely no complaints and doubt I will ever have any in the near future. They are very direct and honest about what they will and will not cover. It is fairly easy to process a claim and it takes a few weeks for them to process the claim upon receipt. I have called them a few times and the customer service is excellent. I only have a $100 deductible but the maximum coverage amount for accidents/illnesses is $15,000/year. I highly recommend this pet insurance company for owners who recently adopted a dog from a shelter. | | Injury/Illness: ear problem eye problem gastritis/vomiting enteritis/diarrhea Breed: Shih Tzu |
| Claim Amount: $100 - $500 Age of Pet: under a year |
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Most Helpful Reviews
10/10 The best insurance plan I've found for my clients.,
1. If you look at the ratings, the only one higher is PetPlan USA. Pet First has an excellent rating!
2. Routine care coverage is built into PetFirst. There is no routine care coverage for PetPlan.
3. Low premiums and deductibles are standard with Pet First. Rates do NOT go up with claim submission. PetPlan's monthly premium is twice as much as PetFirst.
Yes, pre-existing conditions are excluded… read more
Added 1/11/2008 by: Dr. Jen Emerson, Adel, Iowa
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3/10 Read the Exclusions,
Based on the pretty good reviews here I was about to give PetFirst a try but thankfully read their exclusions prior to signing up. The most concerning exclusion is the second-to-last in their list and reads as follows:
"Continuous coverage of chronic and long term conditions that manifest in a previous policy year".
Which I understand to mean that if your pet were unlucky enough to be diagnosed with a… read more
Added 11/28/2007 by: Melu
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10/10 Certainly Worth the Money!,
My dog had several parasites as a puppy and it ended up costing us over 1000 dollars. Once he was better I set out to get some pet insurance for him. I read lots of reviews and decided on Pet First Insurance with Routine Care. I have had the policy for 6 months and have already gotten a lot more out of it than I have paid for it! They charge a 50 dollar deductible for illness or accident claims, but… read more
Added 8/17/2007 by: Krista
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10/10 A year with Brinkli...,
A year ago, I decided it was time to have my life turned upside down, so I found a wonderful golden retriever puppy, and thought, hmmm, pet insurance????? Well luckily I didn't go with my first thought,which was, do I really need pet insurance, and made the decision to go with Petfirst Healthcare. It has been one of the best ideas I have had. My wonderful golden, Brinkli, was very popular at the vet… read more
Added 6/27/2008 by: ellen
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10/10 Great for multi-pet households,
I just took out a policy for my four pugs teo policies with two dogs on each. I chose the standard 1000 plan without the wellness. I apy $33.90 for all four dogs I have a $100 deductible and 90% reimbursement. Pros are obviously the price by far the best I have come across in all my research because they offer the family plan, the only company in the industry that does this. I get 2000 annual coverage a… read more
Added 3/30/2013 by: Jennifer
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