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Insurance For Pets

How Pet Insurance Works:

Pet health insurance reimburses pet owners for vet bills resulting from an accident or illness. You can utilize PetFirst pet insurance at your favorite veterinarian, as well as emergency clinics, holistic facilities and specialists. There is no need to check if your veterinarian is in a “network.” You pay the treating vet, send us the bill and claim form, and we will reimburse you according to your pet insurance plan.

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Why You Need Insurance for Pets:

Accidents and illnesses can happen to any pet at any age, regardless of being an indoor or an outdoor pet. You may wonder why you need insurance for pets, but it is easy to see if you look at the hazards our pets are exposed to daily, whether inside or out.

Indoor pets are exposed to hazards such as:

  • Poisoning- from eating foods that are toxic to dogs and cats such as raisins, grapes and chocolate, or medical pills. The top 10 most commonly ingested human medications are:
  1. NSAIDs (e.g. Advil, Aleve and Motrin)
  2. Acetaminophen (e.g. Tylenol)
  3. Antidepressants (e.g. Effexor, Cymbalta, Prozac, Lexapro)
  4. ADD/ADHD medications (e.g. Concerta, Adderall, Ritalin)
  5. Benzodiazepines and sleep aids (e.g. Xanax, Klonopin, Ambien, Lunesta)
  6. Birth control (e.g. estrogen, estradiol, progesterone)
  7. ACE Inhibitors (e.g. Zestril, Altace)
  8. Beta-blockers (e.g. Tenormin, Toprol, Coreg)
  9. Thyroid hormones (e.g. Armour desiccated thyroid, Synthroid
  10. Cholesterol lowering agents (e.g. Lipitor, Zocor, Crestor)
  • Allergies- which may require life-long care to treat. The most common pet allergens are:
    1. Tree, grass and weed pollens
    2. Mold spores
    3. Dust mites
    4. Dander
    5. Feathers
    6. Cigarette smoke
    7. Food ingredients (e.g. beef, chicken, pork, corn, wheat or soy)
    8. Prescription drugs
    9. Fleas and flea-control products (the bite of a single flea can trigger intense itchiness for two to three weeks)
    10. Perfumes
    11. Cleaning products
    12. Fabrics
    13. Insecticidal shampo
    14. Rubber and plastic materials
  • Foreign body ingestions- from eating easily accessible items like dental floss, rubber bands, socks, coins and stuffing/squeakers  from toys

Outdoor pets are exposed to hazards such as:

  • Other animals- potentially exposing them to infectious diseases, lacerations and bite wounds
  • Chemicals- used outdoors from everything to car maintenance to insect control. Below are some common chemicals or items that contain harmful elements that are dangerous to dogs and cats:
  1. Anti-freeze
  2. Cocoa mulch
  3. Fertilizers
  4. Plant food
  5. De-icing salts and melts
  6. Pesticides
  7. Herbisides
  8. Insecticide
  • Elements- the weather can be harmful to dogs and cats exposed to extreme elements, which can result in hypothermia, heat stroke and sunburns
  • Vehicular trauma- from riding in the bed of a truck to running out in traffic, outdoor pets are faced with danger- especially in their own driveway

Coverage with PetFirst pet insurance offers pet owners protection from these and other hazards. It isn’t a matter of “if” your pet becomes sick or injured, it is a matter of “when.” This is why insurance for pets is so important, and why it is such a smart decision for pet parents to have in order to protect their furry friends. Pet parents are able to choose the amount of coverage they would like for their pet, as well as customize their deductible and reimbursement percentage.

For example, you chose the Lifetime 5,000 policy for your cat with a $100 deductible and 90% reimbursement. He ends up with a $1,500 vet bill for ingesting  the tails off four of his toy mice. You would only be responsible for paying $240 out of your pocket thanks to your cat’s pet health insurance.

Vet bill:                                 $1,500
Deductible:                           - $100
                                            $1,400
Reimbursement %              x  90%
                                         $1,260   Reimbursement paid to pet owner by PetFirst

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How It Works

Pet insurance reimburses pet owners for veterinary costs, and works very differently than human healthcare. Choose the coverage, deductible & premium to fit your budget & needs. Pay a predictable premium; when your pet gets sick or hurt, visit the same vet you always use.

You pay the vet, send us the bill & we reimburse you according to your personalized plan, with the fastest payment times in the industry. No worrying about whether it will fit in your budget. No arguing with your vet about following an insurance company’s benefits schedule. PetFirst lets you put your pet’s health first.

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Coverage Guide
Coverage Guide

You're just 2 steps from getting a quote!

Choose a pet
Cat
Dog

You can add pets to your
plan later.

Next >
pet
Cat
Dog
Add pet >
pet
Cat
Dog
Add pet >
pet
Cat
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