Mesaj Revizuirea asigurării PetFirst pentru animale de companie by Philip Loyd, agent de asigurări autorizat a apărut în primul rând pe La benzină. Vizita La benzină pentru a obține mai mult conținut grozav ca acesta.
Cuprins [Ascunde]
Acoperire minima | $2,000 |
Acoperire maximă | $10,000 |
Eligible Ages | 8 weeks minimum |
Eligible Animals | All dogs and cats |
# of Plan Options | 3 |
PetFirst offers three different plans. With these options, you’re sure to find coverage that fits your budget and provides comprehensive coverage for your pet.
Conștient de costuri
PetFirst’s Cost Conscious plan is the most affordable. If your dog is mostly healthy and you want protection at the best price, this is the plan for you. The Cost Conscious plan offers up to $2,000 in annual coverage with 80% reimbursement and $250 deductible.
Recomandat
If you think there’s a better chance you’re going to need to use your coverage, then the Recommended plan might be best for you. Premiums are higher than with the Cost Conscious plan, with annual coverage at $5,000. The Recommended plan reimburses at an 80% rate with options for deductibles.
Acoperire suplimentară
If you’re looking for even more coverage, an additional coverage policy provides as much as $10,000 in annual coverage. This plan comes with the highest monthly premiums. Wellness riders are available for your pet’s everyday healthcare costs.
Îngrijire de rutină
PetFirst does offer a wellness rider for your dog or cat’s routine care. If you’re the type that just likes having coverage for everything and hates paying out of pocket, a wellness rider could solve your problem. Routine care covered by the wellness rider includes:
- Annual vet exam
- Routine tests and screening
- Microciparea
- Antrenamentul comportamental
- vaccinuri
- Teeth cleaning or polishing
- Sterilizarea și sterilizarea
- Tratament preventiv
- Prevenirea viermilor inimii
The wellness rider offers benefit amounts of $125, $250, $400 and $575. It’s available for purchase at time of sign up. Rates vary according to type of pet and location, anywhere between $8.50 and $28.60 per month.
PetFirst offers customer support via email, web chat, phone and fax. It also has an online portal where you can change your plan or check on the status of your claim.
Download the PetLife app to get full access to your account and manage your asigurare pentru animale de companie. The app lets you view all policy information and benefits, submit and track your claims and edit your pet profile.
App updates are coming soon, including the option to upload all your pet records, locate pet service providers in your area and sign up for reminders for care.
PetFirst has a call center available seven days a week at (855) 270-7387. You can reach a representative Monday through Friday from 8 a.m. to 9 p.m. EST. Saturday and Sunday are open 10 a.m. to 7 p.m. EST.
Evaluare BBB | A+ |
Cel mai bun rating AM | A+ |
Indexul reclamațiilor NAIC | - |
Rating Moody's | Aa3 (MetLife Insurance Co.) |
Putere nominală JD | 817/1000 (MetLife) |
PetFirst offers competitive pricing and some discounts. There is a 10% discount for veterans, shelter personnel and others affiliated with animal organizations. Those currently serving in the military, healthcare workers and first responders also receive a discount.
Most claims process within 10 days. Rates increase with age of your pet.
Here is a quote for the Cost-Conscious, Recommended and Additional coverages for a three-year-old, male purebred Alsatian.
Tipul politicii | Premium lunar | Fransiza | Annual Benefit | Rambursare |
Cost-Conscious | $23.13 | $250 | $2,000 | 80% |
Recomandat | $27.24 | $250 | $5,000 | 80% |
Suplimentar | $19.14 | $2,500 | $10,000 | 100% |
This is a quote for a three-year-old mixed breed black cat under 20 pounds.
Tipul politicii | Premium lunar | Fransiza | Annual Benefit | Rambursare |
Cost-Conscious | $17.64 | $250 | $2,000 | 80% |
Recomandat | $19.42 | $250 | $5,000 | 80% |
Suplimentar | $15.40 | $2,500 | $10,000 | 100% |
*Monthly premiums vary depending on your pet’s size, age, location, policy of choice, deductible and rate of reimbursement.
Signing up is easy with the PetFirst three-step enrollment plan. Enroll online, on your mobile device or by phone. Waiting periods are negligible.
Fill out the form on the company website to find out whether PerFirst is right for your dog or cat. After you fill out the form, you’ll receive information on the options, how to get discounts, no matter the breed or size of your pet. A PetFirst team member can also take your application over the phone.
PetFirst offers customers the flexibility to select varying levels of coverage. There are no breed exclusions or age limits. No exams are required for enrollment.
PetFirst vs. Competitors
When it comes to price, PetFirst stands up to all the competition. Premiums are moderately priced compared to industry standards, with options for lower rates with higher deductibles.
While most of the competition makes you wait until your membership kicks in, PetFirst coverage kicks in the day after purchase. There’s no 14-day waiting period like many competitors. Due to the high cost of treating intervertebral disc disease and cruciate ligament injuries, however, there is a 6-month waiting period for those procedures.
PetFirst allows for up to $650 for dental care, which is not an industry standard. This also includes treatment for periodontal disease. Reimbursement for all exam fees is also a standout feature.
On the downside, PetFirst requires payment of deductible per condition. While this does get applied to the reimbursement claim, other companies rate their deductibles on an annual basis. Reimbursement periods compared to its competitors is about the same. The industry average is 9 days, while PetFirst takes 10.
You’ve got health insurance for you and your family, but what about your dog or cat? PetFirst is part of the MetLife insurance family, and it offers pet insurance for dogs and cats. Founded in 2004, PetFirst asigurare pentru animale de companie is underwritten by the Independence American Insurance Company. PetFirst not only covers all breeds of dogs and cats, it protects pets of all ages. Puppies must be a minimum 8 weeks old to qualify. PetFirst has no networks, so you get to choose any vet you want. Be aware, however, that PetFirst is a reimbursement service, meaning you have to pay for services at the time of disbursement. PetFirst allows you to take your pet to any veterinarian you choose, and plans start at just $15 per month for dogs and $9 for cats. The company’s three different plans — Cost Conscious, Recommended and Additional Coverage — offer annual benefits of $2,000, $5,000 and $10,000, respectively. Basic policies operate on an 80% reimbursement rate with a $250 deductible.
- MetLife customers
- Acoperire imediată
- Acoperire completă, indiferent de vârsta animalului dvs. de companie
- Reducere pentru mai multe animale de companie
- Deductibile reduse de ani de zile fără pretenții
- Fără restricții de vârstă sau de rasă
- Rate de rambursare de 80%.
- Perioada de așteptare prelungită pentru displazia de șold
- Examenele de sănătate de rutină nu sunt acoperite
- Condiții preexistente nu sunt acoperite
Lemonade offers easy-to-understand coverage options for dogs and cats. It’s even better for those who already have Lemonade renters or homeowners insurance as you get a discount for bundling your policies. Insurance companies keep extra dollars for profit, but Lemonade is unique in that after it pays your claims and its expenses, it gives any remaining premiums to a charity that you choose when you sign up for a policy. You can select charities like the American Red Cross, the Trevor Project, and many pet-centric causes. The downside to Lemonade pet insurance is that you can only insure câini și pisici (no exotic animals).
- Those who want to bundle with their home policy
- Pet owners who prefer to buy and manage their policies online
- Pet owners who want to customize their pet’s policy
- Super customizable so you get everything your pet needs without paying for stuff you won’t use
- Discount for having Lemonade home or renters insurance
- Very high cap on annual limits
- Only offers coverage for dogs and cats
- Nu este disponibil în toate statele
Spot Pet Insurance’s innovative approach provides user-friendly access to customizable coverage. Your dog or cat is covered without completing a medical exam. The policies cover veterinary bills, either partially or in full, when your pet goes in for a check-up or routine vaccination or needs care for injury, chronic illness or prescription coverage. Spot also covers implanting a microchip in your pet. You’ll also get 10% off of each additional pet you insure.
- Cats and dogs of all breeds, sizes and ages
- Insuring multiple pets
- Customizing an insurance plan
- Prescription food and supplements
- Reducere pentru mai multe animale de companie
- Acoperă alimentele prescrise și suplimentele
- Fără limită de vârstă pentru înscrierea la acoperire
- Garanție de rambursare a banilor în 30 de zile*
- Mai multe opțiuni de rambursare: 70%, 80% și 90%
- Nu acoperă animalele de companie exotice
Pumpkin Pet Insurance offers traditional pet insurance as well as optional preventive care coverage at an additional cost. While Pumpkin does offer a wide range of coverage options, you’ll notice some limits to be aware of. All Pumpkin Pet Insurance plans have an annual coverage limit and all of its policies come with a high reimbursement rate.
- Families with pets who don’t expect their bills to go higher than Pumpkin’s coverage limits
- Families with multiple pets who can benefit from their discount for each additional pet’s policy
- Fără limită superioară de vârstă
- Reducere pentru mai multe animale de companie
- O listă extinsă de proceduri acoperite
- Planurile acoperă doar pisici și câini, fără alte tipuri de animale de companie
Overall, PetFirst pet insurance rates 4.5 out of 5 stars. Ease of use and affordability gives PetFirst high ratings. Customers love the fact that PetFirst has no in-network, and you can see any veterinarian they choose. Because of this, there’s no doctor approval process.
Although customers are required to pay for services at the time of disbursement, filing a claim is easy. Claims are filed either online, by post mail or email. Claims packages are available for download and reimbursement typically takes 10 days.
Întrebări Frecvente
Does PetFirst require customers to choose from a predetermined list of veterinarians?
No. PetFirst has no in-network requirements. With PetFirst, you get to choose any vet you want. Find the best doctor for your pet or keep the one you already have.
What if your vet doesn’t accept PetFirst coverage?
PetFirst operates on a reimbursement model, so you pay your doctor at the time of the visit, then PetFirst reimburses you. Reimbursement rates range anywhere from 70% to 100% and take only 10 days. Because of the reimbursement model, all doctors are accepted.
Are large and rare breeds excluded from coverage?
PetFirst accepts all breeds and sizes. There are no restrictions to the type of dogs and cats PetFirst accepts.
Mesaj Revizuirea asigurării PetFirst pentru animale de companie by Philip Loyd, agent de asigurări autorizat a apărut în primul rând pe La benzină. Vizita La benzină pentru a obține mai mult conținut grozav ca acesta.
Source: https://www.benzinga.com/money/petfirst-pet-insurance-review/
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