Pet insurance for dogs and cats works differently 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 never have to worry if a provider is “in-network”, because there are no networks.
Similar to human insurance, pet insurance has deductibles. Pet Insurance deductibles work just like other insurance deductibles. This is the portion that the policyholder has to pay before the insurer pays. There are two types of deductibles, annual and per incident. PetFirst offers a wide range of deductible levels so that pet parents can find a plan that fits their budget.
The cost of pet insurance it determined by several different variables: what level of coverage selected, the type and age of the pet, geographic area. You can help control the cost of your premium by selecting higher deductibles and and what percentage you wish to cover after the deductible has been met.
Every provider has a slightly different policy with different coverage and exclusions. You can compare pet insurance providers to get a better idea of what each covers. Like most providers, PetFirst covers accidents, illnesses, hospitalizations, surgeries, etc. However, PetFirst also covers exam fees and prescriptions with no additional riders required. Also, PetFirst has no upper age limits, which make PetFirst a great option for those searching for senior pet insurance.
The answer to this question can only fully be answered by the pet parent. Determining if pet insurance is worth it depends completely on what your are hoping to accomplish from having the pet insurance. Pet Insurance is designed to provide peace of mind to anyone who is concerned about getting an unexpected and costly veterinary bill for their pet. Pet Insurance allows you to worry less and just focus on your pet.
Filing a claim is much easier than you might think. You’ll need three things:
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!
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.
PetFirst Pet Insurance, Attn: Claims Department
400 Missouri Avenue, Jeffersonville, IN 47130