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      October 19, 2018

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Pet Premium vs Pet First

Best Pet Insurance

To help you find the Best Pet Insurance, TopConsumerReviews.com provides you with an in-depth comparison of Pet Premium and Pet First.

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Who has the Best Pet Insurance? Medical care is rarely cheap - and the same goes for our four-legged friends. While pet owners are grateful for advances in technology and medicine that make it possible to keep their "fur kids" healthy, these procedures and prescriptions often come with a hefty price tag.

Without pet insurance, a simple blood test can cost well over $200. Even a standard yearly checkup can set you back by hundreds of dollars. How's your wallet feeling now? Chances are, you would do almost anything to take care of your beloved pet - but you might find yourself having to make difficult choices, especially if your dog or cat experiences a traumatic injury or life-threatening illness.

Continue reading below reviews

Best Reviews

2018

Pet Insurance Reviews

3.5 stars
Pet Premium

PET PREMIUM Visit Site

Cost:

Plans starting at $8.46 for Accident-Only coverage

Plans starting at $9.91 for Total coverage

Pet Premium wants to be your top resource for pet protection, from insurance to helpful articles, and even to help you find your next furry mascot.

When it comes to pet insurance, Pet Premium has some pros and cons. For example, you're free to use any licensed veterinarian you like, but be aware that Pet Premium reimburses you based on a specified incident limit for the condition being treated, not for what you actually paid. In other words, if you have a world-renowned vet who charges more for her expertise, you probably won't be reimbursed for as much of the bill. That's not nearly as customer-friendly as pet insurance providers that pay out based on actual costs.

You'll choose between two types of coverage: Accident-Only and Total Coverage. Once you know which kind you want, you'll then be able to further customize your premiums according to the deductible, reimbursement level, and annual coverage limit. For our dog, a 7-year-old, mixed breed male, we were quoted $27.93/month for a plan that reimbursed 70% of each claim, with a deductible of $500 and an annual coverage limit of $2500. On the opposite end of the spectrum, we'd pay $104.02/month for a plan with no coverage limits, a $100 deductible, and a reimbursement level of 90%.

If you have a kitten or a puppy, you can expect to pay much less. We entered information for a 6-month-old kitten at the highest deductible, lowest coverage limit, and lowest reimbursement level and were quoted less than $10/month for the Total coverage plan.

One plus with this provider: Pet Premium's deductibles are annual, not per visit or per condition.

Unlike some pet insurance policies, Pet Premium's come with add-on coverage for preventative/wellness care. Your cost depends on your pet's details, but you can expect to find Basic, Standard and Prime options; for our dog, we would spend anywhere from $9.95 to $24.95 per month for that additional service. Depending on what your pet actually needs during a year (a health certificate? Urinalysis? Deworming?), the extra premiums may not be worth what you get, so check the details carefully.

How does Pet Premium's reputation compare with insurance providers with a longer history? Overall, you could say that it's "so far, so good". Even though they've only been in business since 2013, Pet Premium is accredited with the Better Business Bureau and had an "A+" rating at the time of our review. There are also hundreds of reviews on the Pet Premium site with ratings of 4- and 5-stars; it's worth noting, though, that most of those seem to be collected before the customers have had a reason to use their pet insurance plan.

We look forward to getting more feedback from Pet Premium clients in the future, to better establish how well the provider does on paying on claims, not just having an easy process for becoming a policyholder. Until then, they stay in the middle of the pack among pet insurance companies.

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2.5 stars
Pet First

PET FIRST Visit Site

Cost:

Plans starting at $8.35/month

Per-incident deductibles of $50, $100, $250, or $500

Military and Animal Welfare Worker discounts available

Based in Indiana, Pet First has helped thousands of families to better afford their pets' veterinary costs since 2004. They partner with numerous animal shelters throughout the country, making it easier for new adoptive pet families to get insurance right away.

As you go through the quote process, you'll see several options for additional discounts. If you purchase your policy online (rather than calling their toll-free number or signing up at an animal shelter), you'll save $10 on your first payment. If you're an active/retired member of the military, you're eligible to save another 5% on your monthly premiums. Finally, if you are a veterinarian or any other kind of animal welfare worker, you're qualified for another discount - but the amount wasn't specified, and the discount didn't show up on our policy summary page. In order to get to the final policy total, we had to enter our credit card information - which we didn't particularly like. We'd like to see Pet First show the premium breakdown throughout the quote process and not make customers wait until after giving their payment information.

You're going to want any discounts you can get. Pet First consistently comes in higher than most of the competition. Kitten plans start at $8.35/month, which is double what the lowest-priced plans charge. Adding to your cost is the deductible: you'll pay that deductible on every claim, not as an annual maximum amount. In other words, if you have 10 claims in a year, you'll pay your $50, $100, or $500 deductible 10 times (if your total bill is over $500).

For our own four-legged friend - a 7-year old mixed breed, medium-sized male - we were given rates ranging from $15.55/month on the low end and $110.95 on the high end. The rate itself is comparable with other pet insurance providers, but when you figure that Pet First plans have a maximum annual limit of $10,000 and those every-time deductibles, their plans are much more spendy for the same monthly premiums.

Aside from cost, how does Pet First stack up against the competition? Every pet insurance company has people who complain about claims being denied - it's the nature of the business, whether you're dealing with pets or people. Pet First does have an A+ record as an accredited BBB company, which is encouraging. But, we found more than a few reviews from people who were encouraged to buy Pet First plans when adopting from an animal shelter; when those newly-adopted critters wound up developing problems not long thereafter, many of the claims were denied as pre-existing conditions.

At the end of the day, Pet First is just average when it comes to pet insurance, and you'll almost certainly spend more out of pocket because of their per-claim deductibles and limited annual reimbursement options. You'll probably get much more for your money with another provider of pet insurance policies.

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Continued from above

Just like their owners, pets can be protected with pet insurance plans that help ease the financial strain of medical care. Pet insurance has become very popular in the last few years, with dozens of companies offering to help you keep your pet healthy for a long time. But, every pet insurance plan is different with respect to deductibles and fees, covered services, and claims processing.

As you decide which pet insurance company is the best fit for you and your pet, keep in mind the following criteria:

  • Cost. What will you pay for your coverage? Is there a deductible, and is it annual or per incident? Will you pay any enrollment fees?
  • Coverage. What services and procedures are covered in the plan you have selected? Does it cover preventative measures like annual checkups? Are there any noteworthy exclusions? Does the company offer a variety of plans to meet your needs?
  • Reputation. Is the pet insurance provider rated by the Better Business Bureau? What do other customers say about their experience? Are claims paid quickly, or do you have to jump through a lot of hoops to file paperwork? Do many claims get denied? Are the company's customer service representatives knowledgeable and friendly?

TopConsumerReviews.com has reviewed and ranked the best Pet Insurance companies available today. We hope this information helps you find the best pet insurance plan for you and your animal companion!

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