What is pet insurance?

Pet insurance is a policy purchased by an owner to help decrease the overall costs of expensive veterinary care. This policy covers illness and injury treated by a licensed vet, emergency clinic or specialist.

Americans spent a total of $15.73 billion on vet care in 2015 alone!
Yellow lab laying in a blue dog bed with orange cast on right back let and foot

How does pet insurance work?

  • All pet insurance works on a reimbursement model.

  • Pet owners take their sick or injured pet to a veterinarian or specialist of their choice within the U.S.

  • Veterinarian services are paid for up front, followed by submitting the invoice along with a claim form and veterinarian records for reimbursement.

  • Any further information needed is obtained by us and the claim is processed within two weeks.

Why do I need pet insurance?

  • Every six seconds, a pet owner is faced with a vet bill of over $1,000.

  • Having a pet insurance plan helps owners afford vet care when their furry friend is sick or gets into an accident. Pet insurance can help owners made the decision between the life of their pet vs. financial euthanasia.

  • When deciding whether or not you need insurance, consider the cost of treatments without pet insurance.

German Shepard standing and looking forward at the camera

Claim Tales

A chocolate-caused cause for alarm

Maggie the Aussie-Doodle got more than she bargained for after eating chocolate one night. She was rushed to the vet, and after many workups, she was able to be treated.

Total Vet Bill $1,565

PetFirst Reimbursed $1,319

Things You Need to Know

Helping Your Pets Live Their Best Life

Male doctor in green scrub top with stethoscope and holding scruffy light brown and white pup
What’s Covered and How Does it Work?
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Less hassle. More coverage. Better peace of mind. PetFirst has the shortest wait periods for accident and illness coverage for cats and dogs.

Should your pet ever get sick or have a serious accident, PetFirst’s comprehensive pet insurance plans are always here for you. We strive to make the best pet insurance plans available to dogs and cats of all ages and breeds, providing them access to the best medical coverage and veterinary care options. Now, giving your loved ones the best pet insurance coverage is as easy as growing old together!

What makes Pin Paws Pet Care different from other Pet Insurance companies?

  • No Age or Breed Restrictions!

  • Prices Do Not Change as Pet Gets Older

  • $2,000 or $5,000 Annual Max Benefit Choices

  • 90% Reimbursement | $100 Deductible on All Plans

  • Save 30% on Multiple Pets

  • Also Includes 3 Value Added Pet Benefits

What Are the Steps for Filing a Claim?

Also Included… 4 Additional Value Added Pet Benefits

Lost yellow lab with collar and no tags looking sad sitting outside on brick road
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Lost Pet Notification & Information

Stored in The Cloud.

Pin Paws is composed of two features: an online pet profile for the storage of important information and documents with a lost-pet notification tag to help them be returned should they be lost and found.

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Provides your pet with an online profile for storing important veterinary and medical information as well as uploading important documents. Should your pet become lost, you have immediate access to downloading a pre-filled lost poster with the click of a button.

What Can you store in PetCLOUD?
MAC screen with pet profile visible
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Ever wanted to pin down those wandering paws? We all love our pets dearly, but due to modern day living a simple pet tag with a phone number isn’t enough.  As much as we love to give our four legged best friends as much freedom as possible, sometimes they can enjoy a little too much and disappear off much to our dismay! There’s no worse feeling than loosing your pet!  No more worrying, fretting or panicking – this system allows you to be notified almost immediately when your pet is found.

Try the Demo
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Dynamic Pet Tag

The lightweight 30mm Pin Paws tag has many unique features including a built-in NFC chip and your pets identification information all stored in the PetCloud.

Scan – Type – Call

The pet’s profile is accessed by scanning the QR code, online, or calling our 24/7 Customer Service Line.

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When the profile is accessed, the owner receives SMS & email notifications of their pet’s GEO location.

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24/7 Pet Telehealth

We know how much you love your pet and we want to help. Connect in seconds with the whiskerDocs team of veterinary experts, 24 hours a day, every day! Call, email, or live chat, and we’ll help you make the best decision about your pet’s health or behavior, including whether you need to see a vet or seek emergency treatment.

See How whiskerdocs works
Veterinarian on phone to help with sick pet advice
Bulldog taking yellow pill orally from owner
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Discount Pet Medications & Supplies

RX VALET for Pets is the easiest way to save money on your pet’s medications, preventatives and supplies. Orders can be delivered to your home for free or made available for pick up from your local retail pharmacy.

Learn More
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Furbaby Savings at the Click of a Paw

Wigglepon is accessible online to members only, providing exclusive coupon codes and discount links for pet-centric products and services. Categories include pet food, apparel, subscription boxes and much more!

Learn More
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People Are Loving Pin Paws Pet Care

Candy R
Candy RSan Antonio, TX
“Rosco and Bootsy are now ready to go to doggy daycare everyday since I am able to save their vaccination records in their Pin Paws online profiles.”
Jenny B.
Jenny B.Hermosa Beach, CA
“Having access to whiskerDocs saved us an expensive trip to the emergency vet when Sandy cut her paw on a seashell at the beach.”
Marcie M.
Marcie M.Columbis, OH
“Being able to pick up my cat Trixie’s medications at the local pharmacy has saved me so much money thanks to Rx Valet for Pets.”

Pin Paws Pet Care Membership Pricing

Cat $2,000 Annual Max

  • $15 Enrollment Fee
  • $2,000 Annual Max
  • $100 Deductible
  • 90% Reimbursement

Cat $5,000 Annual Max

  • $15 Enrollment Fee
  • $5,000 Annual Max
  • $100 Deductible
  • 90% Reimbursement

Dog $2,000 Annual Max

  • $15 Enrollment Fee
  • $2,000 Annual Max
  • $100 Deductible
  • 90% Reimbursement

Dog $5,000 Annual Max

  • $15 Enrollment Fee
  • $5,000 Annual Max
  • $100 Deductible
  • 90% Reimbursement

Pin Paws Pet Care Not Available in AK, HI, NY

PetFirst Healthcare, LLC (“PetFirst Pet Insurance” or “PetFirst”) is the program administrator authorized to offer and administer pet health insurance policies underwritten by Independence American Insurance Company, a Delaware insurance company, with its main office at 485 Madison Avenue, NY, NY 10022, or New Hampshire Insurance Company or The Insurance Company of the State of Pennsylvania, each with its main administrative office at 500 West Madison Street, Suite 3000 Chicago, IL 60661. For costs, complete details of coverage, and a listing of approved states, please contact PetFirst Healthcare, LLC.

Frequently Asked Questions

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Much like health insurance for people, pet insurance helps shoulder the monetary burden that keeps your dogs and cats happy and healthy. Since they’re also members of the family, you want to provide them with the best care available when they become sick or hurt. As anyone who has ever had a kitten that swallowed a piece of string can tell you, costs for care and treatment can become expensive quickly, leaving you with hundreds or even thousands of dollars of veterinary bills. PetFirst pet insurance takes the financial considerations that come with accidents, injuries, and illnesses out of the picture, so you can get your animals on the mend without sacrificing your peace of mind.

We do! However, coverage for routine care isn’t included in our pet accident & illness plans by default. It’s simple to add a Routine rider for an additional fee. Visit our Routine Wellness Care Coverage page for more information.

Absolutely! PetFirst’s Pet Insurance Plans are designed for your multi-animal household. With this option, you can insure up to three pets under the age of ten with one plan for a fraction of the cost of insuring them individually. Our multi-pet policyholders save an average of 30% compared to maintaining separate individual policies for each pet. If you get a new dog or cat later, you can add him or her to an existing policy and transition to a family plan.

Yes! If the treatment you choose is offered by a licensed veterinarian, alternative medicines/therapies are covered by your plan.

Not at all. You’re free to use any licensed veterinarian in the United States, including emergency animal hospitals and specialists.

No! There is no maximum to your benefits, and you will have coverage for the entirety of your pet’s life without a payout cap. Our pet health policies have robust annual limits, which reset at the beginning of a new policy year. There are no per-incident limits on our plans; so if you need to use the entirety of your annual limit all at once, you can.

PetFirst covers veterinary costs that arise from your pet becoming sick or injured. With our flexible plan coverage and unlimited lifetime benefits, we’re ready to cover almost anything unexpected that happens to your pet. We cover both accidents and illnesses, as well as hereditary, chronic, and congenital conditions. Accident and illness coverage covers diagnostic testing, hospitalizations, prescription medications, orthotic devices, exam fees and more. Hereditary, congenital, and chronic conditions may not appear for years, and they can be expensive to treat if they do. These concerns are covered by our pet insurance plans.