How Does Pet Insurance Work? | PetFirst

How Does Pet Insurance Work?

Pet insurance for dogs and cats works differently than human healthcare plans. Medical insurance for pets1 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 never have to worry if a provider is “in-network”, because there are no networks.


How it Works


Take your pet to any vet

Visit any licensed vet, emergency clinic, or specialist in the US. There's no network of providers to worry about.

Send us your claim

Pay your bill at the vet, then send us your claim along with vet records and an invoice from the visit.

Get money back quickly

PetFirst will follow-up with your vet for any missing info. Claims are processed in less than 2 weeks.4

How do I file a claim?

Filing a claim is much easier than you might think. You’ll need three things:

  • Medical records from your vet’s office
  • Itemized invoice from the vet’s office
  • A completed and signed claim form

When you’ve got those documents in order, you can submit your claim to PetFirst. Once your claim has been filed, PetFirst will reach out to your vet if there’s any additional information we need. Hassle-free! 

Download a Claim Form

Learn More About Filing a Claim

Where do I submit my claim?

You can submit your claim via PetFirst Pet Insurance’s online portal, email, fax, or mail. Be sure to send the claim form, veterinary records, and an itemized invoice in order to get your claim processed quickly and money back your pocket. You must submit a claim within 90 days of the treatment or invoice date.


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PetFirst Pet Insurance, Attn: Claims Department
400 Missouri Avenue, Jeffersonville, IN 47130

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