Pet Insurance Myths & Rumors

There are many misconceptions about pet insurance to be found on the internet. Many people wrongly believe pet insurance is a scam due to the exclusions and expenses. Some say no one really benefits from having pet insurance even in the case of major medical incidents.

In reality, Pet Insurance not only reduces expenses for routine vet visits but can also provide a significant financial cushion to protect against the expense of accidents and illnesses. With the latest developments in veterinarian medicine, new treatments can help cure your pet from diseases that used to result in euthanasia. These treatments can be expensive, but no one wants to deal with the guilt of not being able to afford their pet’s healthcare.

If you have heard a myth or rumor about pet insurance that we don’t address below, contact us. We’ll be happy to give you the facts, so you can make the best decision for your pet.

MYTH 1: Pet insurance is too expensive

While premium plans and riders can sometimes add up to an expensive plan, you can get a cheap basic plan with PetFirst for your dog for just $29.95. Basic plans cover $7,500 in accident and illness coverage, and also come with $100 of routine care coverage.
An even cheaper plan is our Accident Only Plan. For $16.95 you can get $3,000 of coverage per year to protect your pet from unforeseen accidents and unexpected injuries.
Our Family Plans give owners with multiple pets the opportunity for even greater savings on all our plans.

MYTH 2: It’s only for sickly pets

Pet insurance only works preemptively; you cannot get substantial coverage for a pre-existing condition with any pet insurance policy on the market today. Pet insurance is meant to protect your pet against potential accidents and illnesses. Certain breeds are more pre-disposed than others to illnesses which can encourage the purchase of a policy, but all pets have the risk of falling ill or getting into an accident. Like the rest of your family, your pet needs to be covered beforehand.

MYTH 3: There are too many exclusions to be worth it

Pet insurance protects against countless diseases and accidents. Most pet insurance providers have exclusions in place to help keep their prices low, and PetFirst is no exception. The most common and unpopular exclusions are the hereditary, congenital, and chronic condition exclusions. The cost of covering these conditions greatly expands the cost of pet insurance coverage as these conditions are not only expensive, but last the duration of your pet’s life.

In order to provide pet owners with more options, PetFirst offers optional riders that cover several of our exclusions including the hereditary, congenital and chronic conditions. This rider is optional as we felt it better to provide more choices while still keeping our prices low. We encourage you to review our exclusions, and the riders we offer which counter 8 of our exclusions.

MYTH 4: You can’t choose your own vet

While some “pet insurance providers” are little more than veterinarian buyer networks or discount clubs, PetFirst insurance is useable at any veterinarian office in the United States. This includes specialists and urgent care clinics. We actually promise veterinarians not to promote managed care principles or animal hospital networks because we feel each veterinarian should have the right to set their own prices.

MYTH 5: “Pet insurance is a hassle”

PetFirst prides itself on making all aspects of our insurance easy to understand. From shopping and purchasing to filling a claim, we make it simple for you to manage the care of your pet. It takes us just 10 days to process your claim and send you your reimbursement. You can learn more about getting a fast reimbursement with our new article, Speed Up Your Claims Process.