PetFirst Pet Insurance Review
PetFirst Pet Insurance Review
ConsumersAdvocate.org
120 Customer Reviews - see all comments
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PetFirst Healthcare LLC is a pet insurance company that was founded in 2004 and based in Jeffersonville, Indiana. It offers accident and illness coverage for cats and dogs and operates in all 50 states.
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The company offers discounts for those with multiple pets, and allows you to choose any vet you like without pre-approval.
- PetFirst is partnered with the Humane Society
- Short waiting period before coverage begins
- Hereditary, congenital & chronic conditions
- No exam required
- Coverage for exam fees
Latest PetFirst Reviews
If it was possible to give them a zero star rating, I would have done so. I have been with Petfirst for 11 years, since my dog was a puppy. Over the last 5 years, she had to have 2 cruciate ligament repairs which cost us over $6,000 out of pocket. These were not pre-existing conditions but when I submitted claims, I was denied and I was treated very rudely when I called to contest the denial. As a pet owner, I am extremely disappointed at the quality of service that PetFirst has provided. Not only did PetFirst not properly communicate that my policy coverage had changed over the years, they also did not treat me well at all after a decade of loyalty. This month, I received and email... Read More
This company is a complete joke. I adopted my pet on 7/1/18. The vet notes from the adoption agency do not state anything about a pre-existing condition, even though he had been monitored for 2 weeks prior to adoption and "no health concerns were observed." Cut to his first vet visit on 7/13/18 where the new vet notes state he has had diarrhea since adoption. Diarrhea is now considered a pre-existing condition and not one vet visit or med is being covered by this company when the vet notes say my pet has diarrhea! Customer service won't budge on this, and it takes two business days to talk with a supervisor. Yes, I did try the 30 day free trial, but since then I have been paying nearly... Read More
Beware! Unlike most other pet insurance companies who offer a per year deductible, this company charges per incident or diagnosis. You could end up having to meet multiple deductibles per year depending on the health of your pet. Very disappointed.
I believe this company is a real scam. We have two dogs and have been paying $50 a month for nine years. Very few claims have we ever gotten anything back on. When my dog needed ACL surgery nothing was covered and it was about $5000. Recently turned in claims for total of about $400 and nothing was covered. I would never recommend anyone using this company. My vet said he could not believe they turned down our surgery claim as it is not an unusual procedure, but I am sure that is exactly why it is not covered as they are trying to save money and not pay out on needed procedures that are expensive.
They were terrible. Kept my premium even after I cancelled because my form was lost in an email. I called and let them know the day my dog died. They even sent a sympathy card. But guess that isn't good enough for them. They decided that my business wasn't needed so they wouldn't even contact me. Aparently the billing department doesn't accept calls.
What was so surprising was that I have been a customer for over 8 years and it was good at the begining.
Pet insurance is a great think. Just be sure and shop around.
Do not use this company. Denied our first claim. For pre existing issue. Our 10 month old puppy had no pre existing issue. This company is a scam. You are better served throwing money out the window. Supposed to make you feel like your doing a good thing for your pet. Instead your wondering if they will even cover your pet. Just like most insurance they really don't want to take care of your pet. PetFirst is a joke that scams you out of money.
1 star, because you cant give zero stars.
Misleading - Lifetime policy is only good when they renew it. DO NOT USE THIS GROUP - they take your premiums, increasing them year after year advertising you have a LIFETIME limit and the first time my dog had a claim when he was 7, after I'd spent thousands of dollars on premiums, my policy was not renewed. So the Lifetime was only until I had one claim for less than $300 - I had a balance of $4,750 Lifetime left. They also LIED when they sold me the policy saying how great it would be to have a Sr pet with a Lifetime balance. Bank what you'd pay monthly and finance your own pet care. They are unethical and do not care about the health of your pet or your customer loyalty if they... Read More
Horrible! I have three PetFirst Insurance policies- for my dog and two cats- and I submitted a claim for less than $500 after the 90 deadline to submit claims because I had a devastating situation. A faulty furnace caused major smoke damage to my house that destroyed most of my belongings and required me to have the items I was able to salvage professionally cleaned by a variety of companies who specialize in smoke damage. When I explained the situation to Petfirst I was told it was illegal for them to reimburse me. PetFirst told me that the insurance laws in CT (where I live) prevented them from doing so legally. I told them that this information was incorrect. I had another half a... Read More
My pup developed kennel cough after I adopted her on a Sat. eve. The pamphlet that I received upon adoption stated that they were closed until Mon morning so I was not able to activate at time of adoption. I called Monday morning to activate the policy. On Tuesday I noticed a hacking cough so I made an appt for the following day. My claim was denied. No explanation. I had to call to talk to a rep and was told it was because it was considered a pre-existing condition. Appeals and arguing are not worth it... Petfirst would have only paid out $62 anyway - but, in the end, they lost a possible long time customer and much more than the $62 they would have paid out. I'm glad that I had the free... Read More
Denied claim on dog who had been continually insured with them for two years because they restarted the waiting period for the dog when I added a new dog to the policy and they gave us a new policy number.
Pet First is offered as a payroll deduction at my hospital system. It was half the price that I was paying at Nationwide Pet Insurance, formally called VPI, Veterinary Pet Insurance. My dog went for a routine annual exam and he had his labs drawn for dental surgery that wasn't scheduled. Two months later he had dental surgery, they listed it as pre-existing for the dental cleaning. He also had bilateral ear infections which they only put towards his deductible since it was under $100.00 per incident. So this may just be a waste of money.
I have had this insurance for 9 years. I have rarely used it other than for basic needs. I get denied about 50% of the time. Most recently I got denied for a surgery...the main reason I got insurance. I have $7500.00 to draw from yet I got denied my claim for small print exclusion. I get to pay monthly premiums and $5000.00 medical bill. I don't see how this insurance is even in the top 10. It sucks in my book. Underwriters get a heart! Emma Pavich
We adopted 3 shelter cats with a free one month policy for "peace of mind". One of the three cats had a URI that was deemed resolved prior to our adoption. a month after adoption she acted sick and was diagnosed with pneumonia; they denied the claim saying that it was pre-existing. shameful; I'm a doctor of human medicine and not even the worst insurance company would do that. horrible
This company is really difficult to deal with, and there are no managers to speak of. My cat was hospitalized for fever, vomiting and lethargy. I have a whopping 3500 dollar bill, and they denied me,saying that my cat had pre-existing condition a year prior. Well, I also had a fever and vomiting a year ago because I was SICK, if I went to the Dr. today because I was sick, they wouldn't say it was pre-existing. The way PetFirst explained it to me, the cat could never have vomited and gone to the Dr. prior to the policy date. Ridiculous.
I have had this insurance for a few years & was satisfied ,until the premiums went up substantially, I then spoke to a representative who helped me choose a policy, which I found out to be just awful. So now I am waiting over 2 weeks to speak to a manager ,because they have no direct line ,who said my voice mail didn t work (when another representative left a voicemail),
& it seems I m getting a major run around . I already spoke to numerous representatives why I need to speak to a manager & they are still asking me to clarify why I need to speak to a manager. Because I feel the chosen policy was misrepresented ...
This insurance company makes you go through hoops before any claim is considered and then it i usually turned down. The worst as far as paying claims no smatter what level of coverage.
I was provided a 1 month policy with my shelter pet adoption. The dog got sick soon after getting home. I incurred over 800 in bills and Pet First denied all claims. The say it was a pre-existing condition, but the dog had no symptoms before he was adopted. This is a typical insurance scam, collect premiums and deny claims.
They are terrible. TERRIBLE TERRIBLE TERRIBLE. Poor customer service. Painful for our vet's office to deal with on claims. Our credit card was stolen this year and they claim to have emailed and called us but no emails go through. Would be awesome to actually get a LETTER before they cancel your policy!
Saved the life of three of my dogs over the 13 years I have been with them. Do not even think of not using them they are GREAT!!!’ Can not day enough positive things about them. They may cost a little more but how much is the life and health of your best friend worth?
Rates may be good but they will do everything they can to avoid paying a claim. Over 4 months of them requesting the same health records over the over and denying them for being incomplete. They were ALL records on the dog and there is nothing in the policy stating the minimum allowed. considering the dog was 9 months there weren't a lot of records. They finally agreed they had what they needed a few weeks ago but never reopened the claim. Awful experience. I'm still fighting . . .
Always satisfied with communication, processing time, and reimbursement delivery time. Never had any issues. M
My 4 year old Fur Baby got sick dehydration & Pancreatitis.... Not only scary but very costly... Sent my claim in & was reimbursed about 75% within 10 days of claim.. Thanks Petfirst for fast & easy claims.
K. Kemp
I was glad that I had my insurance when Riley got cancer and had to have surgery I am very pleased now that as he's growing older and things happen that I am covered and I at least get some money back from the costly treatments that he has to receive.
Our costs for 2 days at the Vet was over $1000.00 and PetFirst Insurance paid $941.00. We were more than satisfied and it was a relief since we still had health concerns for our little girl. Even though cost was not an issue as we all do whatever we can to save our pets the arrival of the check was comforting.
Don't waste your money on this garbage pet insurance. You'll be waiting forever to get reimbursed on claims. That is if you even do get reimbursed!!!!