Q: Is there a waiting period for my policy to become effective? A: Accident and routine care coverage are effective upon your first payroll deduction. Illness coverage is effective 14 days later.
Q: Do all veterinarians accept this pet insurance? A: Yes. Because PetFirst Healthcare works as a reimbursement program, policyholders are free to use any licensed veterinarian within the U.S.
Q: How do I file a claim? A: It is easy to file a PetFirst Healthcare claim. Complete instructions for filing claims are available on the PetFirst Claim Form.
Q: How long does it take to process my claim? A: Our processing time is 10 business days once we have all of the needed information.
Q: How long do I have to file a claim? A:
You have 90 days from the treatment date to file your pet’s claim.
Q: Is there a deductible or co-payment as part of my pet’s pet insurance coverage? A:
There is a $50 per incident deductible for accident claims. There is no deductible on routine care claims. There is no co-payment with accident only plans. There is a 10% co-payment with Basic and Preferred coverage.
Q: Are there any exclusions to PetFirst’s accident coverage? A:
Yes. PetFirst’s accident coverage has some exclusions to help keep rates low.
Exclusions include:
Treatment for illnessss
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
Routine examinations, routine tests or screens, and vaccines
Teeth cleaning or polishing
Preventative treatments and diagnostics for, or conditions relating to, preventable parasites, including heartworms
Spaying/neutering
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.
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