PetFirst Pet Insurance Review

Rating: 7.8 / 10 (Very good)
23 Customer Reviews - see all reviews
Disclosure: We receive advertising revenue from this partner. Learn more.
How is PetFirst rated?
Benefit Limits
Reimbursement Models
Claims and Service

PetFirst Pet Insurance Overview

PetFirst’s Lifetime Plan is a customizable pet insurance policy for dogs and cats, which offers additional riders to extend your pet’s coverage. They offer discounts for pet owners who have multiple pets, and they will allow you to choose any vet you like without pre-approval. The Lifetime Plan has few exclusions, but has annual limits of $5,000-$20,000, which reset each year.


What's Included with PetFirst Lifetime Accident & Illness Plans:

  • - Covers accidents and illnesses without restrictions for hereditary, congenital or chronic conditions
  • - No initial exam required for coverage
  • - The premium is predictable and so it will be easy to ensure coverage of the unexpected
  • - Reimbursement choice of 90%, 80% or 70%
  • - Deductible choice of $50, $100, $250 or $500
  • - Annual policy limits of $5,000; $10,000 and $20,000 reset each year upon renewal
  • - and HomeAgain pet insurance partner


Plan Details

Type of contract

12-month policy period

Can cancel, upgrade or downgrade at anytime

 Enrollment age

 8 weeks and up, no upper age restrictions

 Effective date

 Midnight following enrollment 

 Waiting period

 14 days after Effective Date for illnesses

 Out of state coverage

 YES. Your pet can see any licensed vet. 

 Out of country coverage


 Claims and policy price

 NO increase in premiums due to claims made

Healthy pet discount at renewal for no accident/illness claims

 Age limit

 Must be at least 8 weeks old, but no upper age limits

 Annual deductible

 Plan dependent

 Claim limit

 Subject to annual limits, but no per-incident or lifetime limits



What does it cover?


Pets covered – Cats and Dogs, all breeds and ages 8 weeks+


Baseline coverage

a. Illness

lab tests

diagnostic tests





holistic care

exam fees


b. Accident and Injury

lab tests

diagnostic tests





holistic care

exam fees


c. Pre-existing conditions

NOT covered


d. Congenital conditions

Covered for life as long as condition was not present or showing symptoms prior to effective date of the policy (pre-existing)


e. Chronic conditions

Covered as long as said condition was not present prior to the effective date of the policy.


f. Cancer

Covered as long as said condition was not present prior to the effective date of the policy.


g. Wellness coverage – Available with additional Routine Care riders


Routing checkups

Dental care

Flea/Tick/Heartworm Prevention


Teeth Cleaning

Dental treatment is covered if caused by an accident or illness (periodontal disease)


h. PregnancyLIMITED coverage


i. Special coverage

Alternative therapy- if recommended and performed by a licensed veterinarian

Behavioral therapy - if performed by a licensed veterinarian and caused by a medical condition

Hip dysplasia - as long as said condition was not present prior to the effective date of the policy

Patella Luxation - as long as said condition was not present prior to the effective date of the policy


Final Sniff

PetFirst’s Lifetime Plans clearly outline the coverage they provide, and the option is available to add riders for more extensive coverage. While they have annual maximum payout limits ($5,000, $10,000, or $20,000), coverage is not capped per-incident and there are no lifetime benefit limits, but it comes with a hefty price tag.  Compared to the other Top Pet Insurance providers we've reviewed, PetFirst’s coverage is less than similarly priced plans.       


The Fine Print:

  • If you go with PetFirst, Lifetime Accident and Illness plans are recommended for optimal coverage. Waiting period: midnight EST following activation for injuries, 14 days for illnesses. These plan options will cover chronic, hereditary and breed-specific conditions, including hip dysplasia and patella luxations, if diagnosed while on the policy and will continue to be covered as long as the policy is in existence.  Their list of exclusions can be found here.


The Bottom Line:

Customers can use any licensed veterinarian or emergency clinic they choose without pre-approval. However, to really have strong coverage you need to purchase PetFirst's more expensive Lifetime Accident & Illness plan, which still has annual payout limits. 

Start your review for PetFirst Pet Insurance

Latest Reviews

Based on customer reviews
23 Reviews
Loading Reviews ...
Sue L
, Texas
PetFirst Pet Insurance is outstanding. Coverage is affordable, it is easy to file a claim and reimbursement is within 2 weeks of filing.

Washington, District of Columbia
My pup developed kennel cough after I adopted her on a Sat. eve. The pamphlet that I received upon adoption stated that they were closed until Mon morning so I was not able to activate at time of adoption. I called Monday morning to activate the policy. On Tuesday I noticed a hacking cough so I made an appt for the following day. My claim was denied. No explanation. I had to call to talk to a rep and was told it was because it was considered a pre-existing condition. Appeals and arguing are not worth it... Petfirst would have only paid out $62 anyway - but, in the end, they lost a possible long time customer and much more than the $62 they would have paid out. I'm glad that I had the free... Read More

[email protected]
Denied claim on dog who had been continually insured with them for two years because they restarted the waiting period for the dog when I added a new dog to the policy and they gave us a new policy number.

Easy to work with. Checks come in a timely time.

Santa Clara, California
I was very happy with Petfirst a few years ago with my first dog. They were helpful, paid the claims in a timely manner, and were very helpful. I used them for years. With my current dog I have had their insurance not even a year and they have refused my claims, and because she is about to turn a year older they are raising my monthly even though they have never paid on a claim. When I called up to talk to the representative about this I expressed my displeasure with their service and it seemed like she could care less if they had my business or not. I felt they really are more in it for the money than actually caring about your pet.

Louisville, Colorado
Misleading - Lifetime policy is only good when they renew it. DO NOT USE THIS GROUP - they take your premiums, increasing them year after year advertising you have a LIFETIME limit and the first time my dog had a claim when he was 7, after I'd spent thousands of dollars on premiums, my policy was not renewed. So the Lifetime was only until I had one claim for less than $300 - I had a balance of $4,750 Lifetime left. They also LIED when they sold me the policy saying how great it would be to have a Sr pet with a Lifetime balance. Bank what you'd pay monthly and finance your own pet care. They are unethical and do not care about the health of your pet or your customer loyalty if they... Read More

Lucasville, Ohio
Don't waste your money. PetFirst pet insurance will deny every claim.

, California
They are terrible. TERRIBLE TERRIBLE TERRIBLE. Poor customer service. Painful for our vet's office to deal with on claims. Our credit card was stolen this year and they claim to have emailed and called us but no emails go through. Would be awesome to actually get a LETTER before they cancel your policy!

Emma P
Alhambra, California
I have had this insurance for 9 years. I have rarely used it other than for basic needs. I get denied about 50% of the time. Most recently I got denied for a surgery...the main reason I got insurance. I have $7500.00 to draw from yet I got denied my claim for small print exclusion. I get to pay monthly premiums and $5000.00 medical bill. I don't see how this insurance is even in the top 10. It sucks in my book. Underwriters get a heart! Emma Pavich

Huntsville, Alabama
Don't waste your money on this garbage pet insurance. You'll be waiting forever to get reimbursed on claims. That is if you even do get reimbursed!!!!

Start your review for PetFirst Pet Insurance