PetFirst Healthcare's Pet Insurance Review


PetFirst Healthcare's pet insurance provides coverage for accidents, illnesses and routine care:

  • Annual exam
  • Behavior training
  • Diagnostics
  • Heartworm protection (prevention only)
  • Hospitalization
  • Lab Fees X-rays
  • Perscription flea control
  • Spay / Neuter
  • Surgeries
  • Teeth cleaning
  • Vaccinations

    Some of the conditions they do not cover:
  • Pre-existing conditions
  • Congenital or hereditary defects or diseases
  • Removal of deciduous teeth
  • Treatment of external parasites such as fleas, lice and ticks and preventable internal parasites such as heartworms, hookworms, roundworms, tapeworms and whipworms
  • Congenital or hereditary defects or diseases
    (there are more so make sure you read everything before you buy)

The amounts of coverage are limited and they also depend on the plan.

They offer 3 different plans: Preferred Plus, Peferred and Basic. They each provide different benefits, all based on the price of the premiums.

For instance their Basic Plans had a maximum benefit of $100 for routine care coverage per year and a maximum of $200 for Preferred and Preferred Plus. This is the total for the year but if you read the fine print (you better read the fine print) they have limits for different procedures. For instance, up to $15 dollars for a veterinarian exam, $25 for vaccinations and $60 for preventative care. This all ads up to $100 but it seems that the limits are not interchangable.

There is a $50 per incident deductible on accident and illness claims but no deductible on routine claims.

Preferred and Preferred Plus comprehensive plans include $220 of routine care coverage.

Pets First also has a family plans that allow your pets to share the accident and illness benefit of the plan while each pet receives their own set of routine care benefits.

There are age limitations. Pets older than 10 years are not accepted.

They do have a 15-day money-back satisfaction guarantee.