Since PetFirst is designed to cover unexpected veterinary costs, our pet insurance plans do not cover pre-existing conditions or routine/preventive care. However, coverage for routine/preventative care can be added to any of our plans by attaching our routine care rider to the policy.

Here’s what isn’t covered:

  • routine exams
  • vaccines
  • titer testing
  • flea, tick and heartworm medications
  • de-worming
  • nail trims
  • spaying or neutering
  • microchip implantation
  • grooming
  • routine ear cleaning
  • control of common parasites
  • anal gland expression, infection, abscess, or impaction
  • boarding
  • behavioral training

Preventative dental cleanings aren’t covered in our plans, but we do cover the treatment of periodontal disease. Some behavioral modification therapy may be covered under our Lifetime plans, too.

See our plan exclusions for a full list of items excluded from coverage.

If you are logged into your MyPets account, you can view your policy’s exclusions by selecting “Policies” in the menu. Click on the “Policy Packet” button to read the terms and conditions of your pet’s insurance policy, which includes a comprehensive list of policy exclusions.