In a Nutshell
- Covers exam fees
- Dental coverage
- Annual limits are low
- Expensive for single pets
PetFirst has unusually short waiting periods and covers bilateral conditions, which most other insurers classify as pre-existing. While it is relatively expensive, there are discounts if you insure more than one pet, making PetFirst the ideal choice for a multi-pet household.
- 14-day money-back guarantee
- Large multi-pet discounts
- Short waiting periods
What Does PetFirst Cover?
PetFirst has 3 different plans. All plans cover the diagnosis and treatment of accidents and illnesses, including cancer, congenital conditions and chronic conditions.
The difference between plans lies in the annual limits. The Lifetime 5000 plan lets you claim up to $5,000 a year and the Lifetime 10,000 plan lets you claim up to $10,000 a year. The Lifetime 20,000 plan has the highest annual limit: $20,000. Unlike other insurers, PetFirst does not limit the number of foreign-body ingestions per year, which is great if your pet’s inquisitiveness tends to land him in hot water.
You can also purchase wellness cover at an additional cost.
Limits and Deductibles
PetFirst’s plans don’t have lifetime limits or per-incident caps. However, they do have annual limits. The cheapest plan has a $5000 annual limit, while the second tier has a $10,000 annual limit. Compared to some other providers, these limits are on the low side. You’ll need to go for the most expensive plan to get the highest annual limit, which is set at $20,000.
There is also a per-incident deductible. You can choose to set it at a low $50 or as high as $500. Payout is a straight 70%, 80% or 90% of your total bill after the deductible, provided it doesn’t exceed the annual limit.
Value for Money
Insuring a young, mixed-breed cat will cost $14/month if you go for 70% reimbursement with a $500 per-incident deductible and a $5000 annual limit. The cost gets higher with a lower deductible and higher reimbursement percentage, even if you keep the low $5,000 annual limit.
PetFirst does offer discounts if you insure more than one pet. You’ll get 5% off when you insure a second pet, and 10% off on every additional policy.
PetFirst insures any pet over 8 weeks of age. Unlike other pet insurance providers, however, they don’t have any upper age limits.
The Fine Print: Exclusions
PetFirst’s exclusions are simple and straightforward. It won’t cover pre-existing conditions. However, unlike most other insurers, there’s no exclusion for bilateral conditions. This means that if your pet had a pre-existing injury to the right leg, a similar injury to the left leg will still be covered.
There’s a 12-month waiting period for ligament tears and disc disease, but cover for most other accidents starts one day after the policy and cover for illnesses starts after 14 days. Most other insurers have 30-day waiting periods.
PetFirst has comprehensive cover and short waiting periods, but low annual limits and per-accident deductibles mean it’s not the best deal out there. Having said this, it offers significant discounts if you insure more than one pet, making it ideal for multi-pet households.