Pros and cons of PetFirst pet insurance
PetFirst pet insurance review
PetFirst pet insurance provider has been in business since 2014, and over nine thousand pets (dogs and cats) have benefitted from the basic and comprehensive coverage they
PetFirst pet insurance offers flexibility in their coverage with a high annual coverage limit of $10,000 coupled with seventy to ninety percent reimbursement for the cost of policyholders' pet's veterinary care. We will provide you with requisite and essential details on the coverage & exclusions, add-on coverage and other pieces of information you will need to understand PetFirst insurance in this PetFirst pet insurance review.
How does PetFirst pet insurance work
PetFirst pet insurance offers coverage to pets, such as dogs and cats veterinary care should they be suffering from health conditions due to illnesses or injuries. A PetFirst pet insurance provider usually covers the cost of a pet's veterinary care after the pet's parents pay the veterinarian by reimbursing the policyholders (pet's parents or owners) with a portion of the vet bills—which may range from seventy to ninety percent reimbursement depending on the agreement on the insurance policy.
PetFirst pet insurance offers coverage in all the states in the United States of America, which differentiates them from other pet insurance companies whose coverage is restricted to specific states of the United States of America. Hence, if you have a PetFirst pet insurance policy, you can have your pets treated by any licensed veterinarian irrespective of where you are in the United States of America.
PetFirst pet insurance coverage
The primary coverage provided by PetFirst pet insurance is accidents and illnesses coverage. Suppose you need routine wellness and preventive care in addition to the standard coverage—that is, comprehensive coverage. You will have to purchase the add-ons in addition to the standard pet insurance policy to benefit from comprehensive coverage.
However, whichever type of pet insurance plan you apply for depends on your pet's medical needs and your budget; PetFirst pet insurance is flexible enough to allow you to change or adjust your annual deductible, annual coverage limit and reimbursement for your pet's veterinary bills.
- Annual coverage limit
PetFirst pet insurance provides three options of annual coverage limit you can choose from depending on your pet's medical needs and your budget. The coverage limits include $2000, $5000, and $10,000. The moment you exhaust your coverage limit before the year runs out, you will be responsible for the payments of your pet's veterinary care until you renew your insurance policy the next year.
- Annual deductible
PetFirst pet insurance offers a low deductible cost of fifty dollars per annum. Generally, the rate of a deductible is inversely proportional to your premium rate. Viz. An increase in your deductible will reduce your pet insurance premium rate.
The reimbursement PetFirst pet insurance providers usually offer depends on the policyholder's insurance policy. The reimbursement for the vet bills ranges from seventy to ninety percent.
- Waiting period
PetFirst pet insurance offers the insured a unique waiting period for the reimbursement they provide to their policyholders to cover their vet bills. The waiting period for the coverage of the insured pet's illness is fourteen days, while that of accident begins immediately after purchasing a pet insurance coverage.
What PetFirst pet insurance covers and does not cover
PetFirst pet insurance basically covers the accidents and illnesses your pet may sustain. In addition to the accident and illness coverage, PetFirst pet insurer extensively covers:
- Pet's hospitalization
- Genetic and congenital health conditions
- Diagnostic tests, such as X-ray, ultrasound and CT scan
- Anterior and Posterior Cruciate Ligaments
PetFirst pet insurance does not cover all the services your pets need to stay healthy. The various exclusions to their coverage include the following:
- Pre-existing medical conditions
- Routine wellness and preventive care (unless you purchase them as add-ons to your coverage)
- Elective cosmetic procedure
- Organ transplant
PetFirst pet insurance is one of the largest pet insurance companies in the United States of America, with customizable insurance policies that have covered up to ten thousand pets (dogs and cats) before their acquisition by MetLife pet insurance.