Founded in 2004, PetFirst offers a range of customizable pet insurance plans to meet specific needs. The company’s Lifetime Plan is one of its more popular offerings, covering accidents, illnesses, surgeries, diagnostic tests, cancer, hip dysplasia, emergency care as well as chronic, hereditary, congenital and breed-specific conditions.
Annual limits on Lifetime Plans range from $5,000 to $20,000, with premiums adjusted accordingly. Additional riders can be added to policies to cover a portion of other costs, such as routine wellness care. Three different Routine Care options are available, providing annual, pre-set reimbursements for one vet visit, teeth cleaning, certain vaccinations and other specified procedures.
While there are no lifetime limits on overall reimbursements, you do have an annual cap that limits reimbursements per year. PetFirst plans also require a deductible be paid per incident, along with a co-pay of 10 to 30 percent.
This is important to keep in mind, especially since deductibles per incident range from $50 to $500. After the deductible is applied, PetFirst plans may then cover 70 to 90 percent of the remaining balance on the bill. Claims can be filed via email, mail or fax; they require all medical records from the incident be sent.
What Does PetFirst Offer English Bulldogs?
The fact that PetFirst’s Lifetime Plan covers hip dysplasia, hereditary and congenital conditions is a plus for bulldog owners, as those are some of the more common ailments that afflict the breed. Another benefit is the coverage for holistic care and alternative therapies, provided they are administered by a licensed vet. Holistic and alternative care can be beneficial for various bulldog ailments.
Lifetime Plan coverage extends to bi-lateral conditions, which means an ailment that may affect the right side and the left side of the body, such as hip dysplasia, will be treated as two separate incidents. Many insurance companies roll them into one and put a cap on the overall reimbursement. While bi-lateral condition coverage is a positive aspect to ensure you receive full coverage for each incident, it also means you will be forced to pay two deductibles.
Exclusions are also a huge component in PetFirst plans, making it imperative you read the fine print very carefully. Lifetime Plan exclusions that could be important for bulldogs include elective procedures, such as skin fold removal; anal gland expression or removal; special diets, supplements, vitamins and medicated baths, which are often required for comprehensive bulldog care. Treatment for external parasites or preventable internal parasites also makes the exclusion list, with external parasites often responsible for bulldog skin irritations.
PetFirst Coverage Summary
PetFirst’s Lifetime Plan offers coverage for hereditary, congenital and breed-specific conditions common among English Bulldogs. Its Standard Plan offers very limited coverage for anything.
A deductible that ranges from $50 to $500 applies to each and every incident, regardless of how many or few incidents your bulldog experiences each year.
PetFirst reimbursements are based on a predetermined schedule, and reimbursements only apply after you pay a deductible for each incident. After the deductible is paid, PetFirst may reimburse policy holders 70 to 90 percent of the remaining balance.
Claim limits are capped annually, with the amount depending on the plan you choose. Lifetime Plan annual limit options are $5,000, $10,000 or $20,000.
PetFirst received a 7.8/10 lifetime score by insurance rating review. The majority of complaints focused on the huge amount of exclusions, the deductible required for each incident, and the lack of helpful customer service – or even the ability to get a real person on the phone.