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Pet Insurance Coverage & Exclusions

We want to provide straightforward, simple yet comprehensive health insurance coverage for all pet parents. In order to do that, we think you should see the fine print. Click on the image below to see a summary of our coverage. You can rest easy knowing your pet will get the best pet insurance protection and coverage with PetFirst. 
Pet Insurance Plan Summary

Get a quote now to see how much a pet medical policy would be for your dog or cat. 

What's Not Covered?

In order for premiums to be affordable for all pet parents, unfortunately, there are some exclusions, as with any insurance company. At PetFirst, we want you to know exactly what those exclusions are so there are no surprises when it comes time to processing your claim. We want to assure you PetFirst works hard to keep these exclusions minimal, providing top-rated insurance coverage for dogs and cats. You can compare our coverage with other pet health insurance companies by viewing our competitive comparisons.

  • Injury or illness contracted, manifested or incurred prior to the policy effective date unless such injury or illness has been cured and there has not been a subsequent recurrence or manifestation of the injury or illness requiring treatment.
  • Elective procedures, cosmetic surgeries, including but not limited to tail docking; dewclaws; skin folds; nail trims; and cropping of ears.
  • Expression or removal of anal glands, or anal sacculitis.
  • Breeding or conditions related to breeding.
  • Special diets; pet foods; 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 hospital.
  • Illness or injury which arises out of racing; coursing; commercial guarding; or organized fighting of your pet.
  • Behavioral training.
  • Routine examinations; routine tests or screens; vaccines; teeth cleaning; or polishing.
    • You can get coverage for routine care and wellness with one of our Routine Riders. Learn more about routine care riders here.
  • Preventive treatments and diagnostics for or conditions relating to preventable parasites, including heartworms.
  • Spaying; Neutering.
    • You can add a Routine 250 or Routine 400 rider to get some benefit for spaying/neutering. Learn more here
  • Diagnosis; medical management; or surgical correction of interverterbal disc(s) regardless of the procuring cause (unless otherwise agreed with you) during the first twelve (12) months of the policy period. However, this exclusion does not apply if this policy is a renewal of a Pet Insurance Policy issued by us.
  • Diagnosis; medical management; or surgical correction of cruciate ligament damage or rupture to include treatment for the anterior cruciate ligament (ACL); medial cruciate ligament (MCL); posterior cruciate ligament (PCL); and cranial cruciate ligament (CCL) during the first twelve (12) months of the policy period. However, this exclusion does not apply if this policy is a renewal of a Pet Insurance Policy issued by us.
  • Payment of any treatment not performed by a licensed veterinarian.
  • Diagnosis or treatment for organ transplants.
This policy will not provide payment for expenses related to accidental injury to or illness of your pet caused directly or indirectly by: 1. An enemy attack by armed forces; with or without a state of war; including actions taken in resisting that attack; 2. insurrection; 3. rebellion; 4. revolution; 5. invasion; 6. civil war; 7. illegal acts; 8. usurped power; or 9. as a result of any: nuclear incident; or biological, chemical or radiation contamination or exposure other than acts of terrorism.

Learn more about our insurance plans

*Pre-existing conditions will not be covered. Find out more about pre-existing conditions