Understanding Pet Insurance


Just like auto, rdog_glasses1enters and homeowners insurance, pet insurance can be confusing.  Understanding pet insurance and finding the best plan for you and your pet requires some homework.  But the end result means peace of mind from veterinary expenses.

PetFirst offers these “buyer beware” tips when trying to understand pet insurance and while searching for the best plan for you and your pet:

  • Plans vary by provider, try to compare similar plans to one another.  Be sure to consider the deductibles, reimbursements and per-incident limits each year.
  • A licensed veterinarian is going to be your best bet when caring for your pet. In fact, most pet insurance providers require you to take your pet to a licensed veterinarian.
  • There are waiting periods with each provider.  The designated times will vary from policy-to-policy as well as provider-to-provider.  Be sure to ask questions about the waiting period for: 1) Coverage to begin for both accident and illness; and 2) Coverage on specific accidents or illnesses to begin (for example cruciate repair coverage may not begin until the 13th month of coverage).
  • Read the plan coverage, including the exclusions, and ask questions.  A sample plan as well as the exclusions can be found on most pet insurance provider’s websites.

Now that you have your checklist in place of general tips regarding pet insurance, think ahead of the plan benefits and options that will best suit your pet, your budget and your family.  Pet insurance is a peace-of-mind purchase allowing you to plan for veterinary expenses.  So what will be best for you?

PetFirst has several plans to choose from, providing you with a customized plan that meets all your needs.  Here are 10 benefits specific to choosing PetFirst as your pet insurance partner:

  1. PetFirst plans are available for all breeds.
  2. PetFirst’s Lifetime Accident and Illness plan options DO cover congenital and hereditary conditions.
  3. There are NO per-incident limits with the Lifetime Accident and Illness plan options and coverage amounts range from $5,000 to $20,000 per year.
  4. Reimbursement is based on a percentage and claims are reviewed line-by-line by veterinary technicians to ensure maximum reimbursement.
  5. PetFirst offers Senior Pet Insurance options on either the Lifetime Accident and Illness plan or the Standard Accident and Illness plan.
  6. Family plan is an option with PetFirst pet health insurance.  Pet parents can have up to three (3) pets on one Lifetime Accident and Illness Family plan.  There are discounts associated with the family plan option and no per-incident limits. (Senior pets over the age of 10 years old are excluded from the family plan option and must be on an individual plan).
  7. Pet parents have the option of adding a Routine Care rider to their pet’s insurance plan.
  8. PetFirst does offer a discount for paying annually.  However, there are options for monthly payment as well.
  9. Accident coverage beings as early as the next day (12:01 a.m. EST); Illness coverage begins on the 14th day the policy is in effect.
  10. Coverage can begin as early as 8 weeks old for puppies and kittens.

There is a lot to consider when choosing your pet insurance plan and PetFirst wants to help you better understand pet insurance options.  You can contact one of our licensed insurance agents to ask questions and help you tailor a plan that best meets your needs.  You can reach an agent by calling 855-270-PETS (7387).

You can also obtain a quote online in just minutes at www.petfirst.com.  Answer a few questions about your dog or cat, such as breed, age and where you live, and a quote will be provided to you in no time.

 



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