Welcome to Insurance For Your Animals
What can you do if your pet has a serious illness or accident?
Veterinarian medical technology has paralleled that of human medical technology in terms of increasing sophistication over the past 10 years. But how can you pay the bills? It's no cheaper for your dog to get medical treatment than it is for you.
Pet insurance may be a good option for you. It became available in the United States in 1982, and it has been a bumpy road since then. About 30 different pet insurers have come and gone between 1982 and the present. Currently, 10 companies are offering this coverage in the US and an additional 3 companies operating in Canada. There are even more serving the European market.
Is Pet Insurance Right For You?
Pet health insurance has its problems, but is well worth looking into for most dog owners. In cases of catastrophic accident and illness, it can and has been a lifesaver for pets without draining the owners financially, or forcing them to make a decision to have a pet put down because they couldn't afford its medical treatment. But be an intelligent consumer, and check out all your options before you buy.
How Does It Work?
Unfortunately, like people insurance, most pet insurance policies involve a lot of fine print, including coverage levels, waiting periods for policies to take effect, exclusions, deductibles, payout caps per incident, per year and per ailment, and extremely limited coverage for older dogs, so do your homework before you buy. Ask your veterinarian. He or she may offer a locally-based discount plan for pets, which might be better for you than one of the bigger plans, depending on both your financial situation and the kind of dog you own.
Tips to help you find the right insurance policy for you and your pet:
If your pet has a pre-existing medical condition, make sure this is not excluded from your policy. It doesn't make sense to buy a policy that won't pay when you need it.
Check to see if your insurer excludes or charges a higher premium for your breed.
Review any age limits for coverage. Some insurers start coverage right away, some require the pet to be 8 weeks old. Some don't cover pets over 8 years old, some have no age limit.
If you have more than one pet, ask your insurer if they offer a multiple-pet discount.
Make sure you understand what your buying. Some policies cover only accidents, most cover accidents & illness, and a few offer comprehensive coverage, including preventive care (checkups, vaccinations, neutering, etc.) along with accident and illness coverage.
Review the deductibles, co-pays and caps on coverage. For example, some insureres will pay 80% of the costs for treating your pet's illness, others will pay 100%. Make sure you select an insurer that provides the coverage you need.
Compare Pet Insurance Policies.
Budget with Pet Insurance
When money is tight, do you know how you will be paying for your veterinary bills? Building a plan for your expenses – including your pet’s healthcare – is the smart thing to do. Pet insurance is the best way to budget for unexpected veterinary bills and help to cover day-to-day expenses like vaccinations and office visits as well.
PetFirst Healthcare was founded to help keep people from having to consider their finances when taking care of their pets. Our pets are family to us which is why we developed affordable pet insurance policies designed to help you use your heart first when taking care of your pet.
At PetFirst, we are committed to providing pet insurance solutions that are easy to understand. Our policies reimburse you based upon what you pay at the veterinarian – not what we think you should have paid.
Easy to Use
With PetFirst Healthcare’s pet insurance, you have the freedom to use any veterinarian nationwide. This includes emergency care clinics and specialists. Best of all, you’ll receive your reimbursement in as quick as two weeks!