Frequently Asked Questions

Does my veterinarian accept this insurance plan?

Because you pay the veterinarian directly and then submit your claim for reimbursement, the PetFirst Healthcare plan works at any veterinarian nationwide. Reimbursement typically occurs within two weeks.

What are my coverage options?

COVERAGE OPTIONS* Pets 8 weeks to 9 years old	Preferred	Basic	Value
Rates per Month
Cat	$29.95	$24.95	$14.95
Dog	$39.95	$29.95	$19.95
2 Pet Family Plan	$60.00	$51.00	$29.00
3 Pet Family Plan	$79.00	$64.00	$39.00
Benefits
Accident and Illness	$10,500	$7,000	$2,000
Accident Benefit Limit	$10,500	$7,000	$1,000
Illness Benefit Limit	$10,500	$7,000	$1,000
Per-Incident Limit	$2,500	$1,500	$1,000
Routine Care (per pet)	$220	$100	$0
Annual Exam
Heartworm Protection
Microchipping
Prescription Flea Control
Vaccinations
Behavior Training
Comprehensive Health Screen
Routine Screens
Spay/Neuter
Teeth Cleanings
Annual Benefit Limit	$12,000	$7,500	$2,000

10% co-pay applies to all coverage. $50 per incident deductible on accident and illness only. Annual payment and plans for senior pets are also available. Please call for details.

* All costs listed above are the costs of the applicable policy for each month. Routine care coverage is a policy endorsement and included above in the Preferred and Basic plans. Prices and terms shown above are effective as of July 2008, are subject to change, and may vary by state. Contact PetFirst Healthcare for current prices and terms in effect.

Is my pet eligible?

Pets must be 8 weeks to 9 years old to enroll. After initial enrollment, coverage is renewable for the life of your pet.

Are there any exclusions?

Exclusions include:

• Preexisting conditions
• Elective procedures and cosmetic surgeries, including but not limited to tail docking, declawing, skin folds removal, nail trimming, and cropping of ears
• Expression or removal of anal glands or anal sacculitis
• Breeding or conditions related to breeding
• Special diets, pet food, 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 the hospital
• Illness or injury that arises out of racing, coursing, commercial guarding, or organized fighting of your pet
• Congenital or hereditary defects or diseases
• Continuous coverage of chronic and long-term conditions that manifest in a previous policy year
• Behavioral problems, training, or therapy are covered only with Preferred and Basic plans.
• Routine examinations, routine tests or screens, and vaccines are covered only with Preferred and Basic plans.
• Teeth cleaning or polishing are covered only with the Preferred plan.
• Preventative treatments and diagnostics for, or conditions relating to, preventable parasites, including heartworms, are covered only with Preferred and Basic plans.
• Spaying/neutering are covered only with the Preferred plan.
• During the first 12 calendar months in which your policy is in effect, no coverage will be extended for the diagnosis, medical management, or surgical correction of anterior cruciate ligament (ACL) or cranial cruciate ligament (CCL) damage or rupture.
• During the first six calendar months in which your policy is in effect, no coverage will be extended for the diagnosis, medical management, or surgical correction of intervertebral disc(s), regardless of the procuring cause.

How do I make a claim?

To receive reimbursement, simply fill out the claim form and mail it to the service provider, including your receipts. For more details, please view the instructions and claim form.

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More Information

• Pet Insurance
• Rates and Coverage