Pet Insurance FAQ
About Pet Insurance
About 5%* Shopper's Card Discount
Pet Insurance Coverage
Pet Insurance Claims
About Pet Insurance
Pet insurance is a tool to help pet owners avoid a financial crisis due to unexpected veterinary expenses for accidents and illnesses. Pet insurance can also reimburse costs associated with routine visits to the veterinarian for physical exams and vaccinations. Compare pet insurance plans to find out how you can save on your veterinarian bills and give your pet the best care available while controlling costs.
All pet insurance is based on owner reimbursement. You choose a pet insurance plan that provides the appropriate level of coverage for your family pet. You pay a monthly premium based on the amount of coverage selected. Then, when it comes time to use your pet insurance, you may visit any veterinarian in the United States and file a claim in order to get reimbursed for your covered veterinary care expenses. As with other types of insurance, you may have a deductible and co-payment when filing a pet insurance claim.
With monthly payments starting at less than $10 per month, you have the choice of several affordable pet insurance options to fit your coverage needs and your budget. Your monthly premium will depend on the pet insurance plan you choose, whether you are insuring a dog or cat and your state of residence. Find out just how affordable pet insurance is for your pet with a free quote.
With escalating veterinary costs, pet insurance can give you peace of mind. When the unexpected happens you’ll be able to focus on getting treatment for your pet rather than worrying about how you’ll afford the vet bill. Unlike a savings account which takes time to accumulate funds, dog insurance or cat insurance ensures you are always prepared for unexpected veterinary bills. Check out the pet insurance plan chart for the most popular plans to protect your family pet.
To choose the right pet insurance, focus on the level coverage you want from a pet insurance plan and a payment amount that fits your budget. Plans with a lower annual limit will cost less per month. There are plans that cover accidents only, plans that cover accidents and illnesses and comprehensive plans which include routine care coverage as well.
Since you pay your veterinarian directly and then submit your claim for reimbursement, you can choose any licensed vet nationwide – including emergency care clinics and specialists.
Dogs and cats of all ages are eligible for Accident pet insurance. Dogs and cats must be 8 weeks to 9-years-old to enroll in Accident & Illness, Comprehensive or Comprehensive Plus pet insurance . Dogs and cats 10-years-old and above are eligible for Senior Accident & Illness and Senior Comprehensive pet insurance. After initial enrollment, coverage is renewable for the life of your pet.
About 5%* Shopper's Card Discount
To get your 5%* policy discount, simply provide your shopper’s card number during enrollment. You can find your shopper’s card number located on the back of your shopper’s card, under the barcode. If you don’t have your shopper’s card handy, you can also enter your Alternate I.D. (usually your 10-digit phone number including area code).
Shopper’s card applications are readily available at your local store. Signing up is very simple, takes less than a minute, and it’s FREE. Just stop by the customer service desk during your next shopping trip and ask for a shopper’s card application.
Pet Insurance Coverage
Pet insurance covers cats and dogs with various levels of protection that include accidents, illnesses and routine care. See the pet insurance coverage chart for details about the levels of protection you can choose for your pet. To help keep premiums low and affordable, all pet insurance companies have exclusions. To get details about the exclusions of a particular pet insurance plan, see:
Coverage for accidents and routine care begins at midnight following the policy activation. There is a 14-day waiting period for illness coverage, beginning on the day your application is approved and your payment is received.
Yes. Our customers can get treatment from any licensed veterinarian nationwide – including treatment from specialists and urgent care centers.
Any illness, accident or injury occurring prior to the effective date of your policy is considered a pre-existing condition and is not covered. If a pet is showing symptoms of an illness or accident prior to activating a policy, the condition would be considered pre-existing.
Pet Insurance Claims
It’s easy to file a pet insurance claim. Just download and complete a claim form or get a personalized claim form when you login to your MyPets account. Then mail or have your veterinarian’s office fax the claim form with your itemized receipt and written medical records to:
PetFirst Healthcare
ATTN: Claims
One Quartermaster Court
Jeffersonville, IN 47130
Fax: 877-281-3348
You can track your claim's progress by logging in to your MyPets account. MyPets will show you when your claim was received and when it was processed. You can also see if any information was missing from your claim, as well as view the reimbursement amount.
To calculate your reimbursement, take your covered veterinary expenses, apply your deductible, and then multiply by your reimbursement percentage . For example:
It typically takes 10 business days to process your claim after receiving all the necessary information.
You have 90 days from the treatment or receipt date to submit your claim in writing for reimbursement.
You can download a claim form or get a personalized claim form when you login to your MyPets account.
You can mail or have your veterinarian’s office fax the claim form with your itemized receipt and written medical records to:
PetFirst Healthcare
ATTN: Claims
One Quartermaster Court
Jeffersonville, IN 47130
Fax: 877-281-3348
Yes. You can have your veterinarian’s office fax the completed claim form with your itemized receipt and written medical records to 877-281-3348.