Did you know? PetFirst has the shortest wait periods for accident & illness coverage. We make getting the best pet insurance plan easy. Enroll online & save money!

How Does Pet Insurance Work?

Pet Insurance Is Different Than People Insurance:

     Step 1 - Take Your Pet to the Vet           Step 2 - Pay the bill          Step 3 - Send us your claim           Step 4 - Get money back     
Take your pet
to the vet
Pay the
vet bill
Send us
your claim
Get money

Pet insurance for dogs and cats works vastly different than human healthcare plans. Medical insurance for pets is owner reimbursement based. This works in favor for pet parents since it allows you to use any licensed veterinarian, emergency clinic or specialist in the United States. You don't have to worry if a provider is "in-network", because there are no networks. 

How Is Insurance for Pets Different Than Human Healthcare?

  • Owner-reimbursement
  • No network of providers to worry about
  • Use any licensed vet, animal hospital, emergency clinic or veterinary specialist nationwide
  • Veterinary offices don't have to "accept" it, because we do all the claim processing
  • Pet insurance companies don't want to mandate veterinary prices- that is why PetFirst pays a percentage of what you are actually being charged, not a pre-determined rate
  • Claims are processed quickly- in less than two weeks
Learn more about our plans and why they are considered one of the best rated pet insurance plans around. 

Pet Insurance Enrollment With PetFirst:

  • No vet exam required
  • Accident coverage begins at midnight EST following enrollment
  • Illness coverage begins 14-days later
  • Plans available for cats and dogs of all ages & breeds
  • No sign-up fee
  • No cancellation fee
  • 14-day money back guarantee
  • Pre-existing conditions will not prevent you from obtaining coverage
    • Just like all pet insurance companies, pre-existing conditions will not be covered. Find out more about pre-existing conditions. However, PetFirst will still enroll pets with current issues or conditions, and reimburse for any future issues that arise unrelated to the pre-existing condition. 
Get a free, no obligation pet insurance quote now to see how affordable healthcare coverage can be for your dog, cat or entire furry family. 

Flexible Pet Insurance Coverage With PetFirst:

  • Upgrade, downgrade or cancel coverage at anytime
  • Ability to pay monthly or annually
    • Annual paying policyholders get an extra discount
  • You choose your annual benefit amount (it resets each year), reimbursement percentage and deductible
  • No per-incident or lifetime limits- you can be sure your pet has coverage for issues that pop-up, no matter what age
Not exactly sure what your looking for in cat or dog insurance coverage? Let us help you with your research. Check out our Questions To Ask Before Purchasing Pet Insurance article. 

How Much Does Pet Insurance Cost?

The cost of pet insurance will vary based on the pet's age, breed and zip code they live in, as well as the plan coverage, limits and options you choose. Most pet insurance premiums will increase each year as the pet ages, since the risk for more expensive veterinary care costs increase too. Pet insurance is considered a property & casualty (P&C) line of insurance, and all plans and rates must be filed and approved by each state's Department of Insurance.

Get a quote to see how much pet insurance would cost for your pet.



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