Petplan vs. PetFirst

Petplan: Yes

Petplan is consistently rated among the top by pet parents for customer satisfaction. Current Rating: 9.2 out of 10 (2,042 total reviews - May 21, 2014).

PetFirst: No

Current Rating: 7.8 out of 10 (121 total reviews - May 21, 2014).

Petplan: Yes

Petplan policies include coverage for hereditary and congenital conditions as standard with no riders or surcharges.

PetFirst: No

Coverage for hereditary and congenital conditions is only available if you purchase an additional Hereditary/Congenital/Chronic conditions rider. Some cancers may be excluded if they are determined to be hereditary conditions.

Petplan: Yes

Chronic conditions are covered if they are not pre-existing and have not occurred during the waiting period.

PetFirst: No

Coverage for chronic conditions is only available if you purchase an additional Hereditary/Congenital/Chronic conditions rider.

Petplan: Yes

Petplan covers all alternative and holistic therapies as standard, provided these treatments are performed by a licensed veterinarian.

PetFirst: Yes

Policies cover alternative therapies, including acupuncture and massage therapy, provided treatment is performed by a licensed alternative therapist.

Petplan: Yes

Prescription medications are covered as standard.

PetFirst: Yes

Prescription medications are covered provided they correspond to the medical condition which has been diagnosed.

Petplan: Yes

Vet exam fees are covered by Petplan policies, including exams performed by specialized vets.

PetFirst: Unclear

Policies will reimburse the "usual and customary" costs of a vet exam.

Petplan: Yes

Petplan insurance policies are administered by Fetch Insurance Services, LLC (Fetch Insurance Agency, LLC in Michigan), d/b/a Petplan (Petplan Insurance Agency, LLC in California) and issued by XL Specialty Insurance Company, a member of XL Catlin (rated A+ S&P), and AGCS Marine Insurance Company, a member of the Allianz Group, (rated A+ A.M. Best).

PetFirst: Yes

Policies are underwritten by American Alternative Insurance Corporation, a subsidiary of Munich Re (A.M. Best rating: "A+", outlook: stable, May, 2011) and Lloyds of London (A.M. Best rating: "A", outlook: stable, May, 2011).