PetFirst Pet Insurance Review

PetFirst Healthcare LLC is a pet insurance company that was founded in 2004 and based in Jeffersonville, Indiana. It offers accident and illness coverage for cats and dogs and operates in all 50 states. The company offers discounts for those with multiple pets, and allows you to choose any vet you like without pre-approval.

Rating: 7.9 / 10 (Very good)
42 Customer Reviews - see all reviews
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How is PetFirst rated?


Benefit Limits
Claims and Service

Overall Rating: 7.9 / 10 (Very good)

PetFirst offers an enrollment process that is easier than most. They do not require a vet exam, and accident coverage starts in 24 hours. Additionally, the company has no upper age limit on enrollment, and no waiting periods for a few conditions many other providers outright just don't cover. PetFirst also has a healthy pet discount for every year you don't make a claim. The upper tier plans, however, are on the pricier side, and the company does not offer unlimited coverage.

PetFirst Coverage

Coverage Specifics

Pets Covered
Coverage Types
Vet Selection
Out of State Coverage
Commercial Pets Covered

Coverage - 8.5 / 10

Petfirst offers accident and illness coverage that is pretty much industry standard for the price. However, what sets them apart is they have no waiting periods for hip dysplasia, patella luxations or orthapedic conditions. The company also offers a wellness plan as an add on.

Medical Conditions Covered

  • Accidental
  • Illness
  • Hereditary
  • Congenital
  • Cancer
  • Chronic
  • Accidental Dental
  • Dental Illness

Medical Treatments Covered

  • Diagnostic Testing
  • Surgery
  • Hospitalization
  • Prescription Medications
  • Emergency Care
  • Specialty Care
  • Alternative Care
  • Behavioral Therapy

Reimbursement & Maximum Benefit Limits

Reimbursement - 10 / 10

Petfirst gives you the option of setting your reimbursement at 70%, 80%, and 90%. This is a consistent feature of the best pet insurance providers.

Benefit Limits - 7.5 / 10

Petfirst does not restrict you to per incident or per illness limits. However, the company does have annual limits. They let you choose $5,000, $10,000, and $20,000. While the $5,000 limit plan has a monthly deductible in the average pet insurance range, the two higher limit plans get pricey. In fact, there are unlimited plans we review that tend to cost less than Petfirst's $20,000 limit plan.
Reimbursement Model
Actual Cost
Minimum Percent Reimbursement
Maximum Percent Reimbursement
Benefit Limit Types
Annual Benefit Maximum

Claims, Service, & Deductibles

Claims and Service - 7 / 10

Petfirst stands out two ways in the claims department, they offer healthy pet discounts every year you don't make a claim, and they do not increase your premium due to amount of claims made. The claims procedure is the standard process of paying your vet bill up front, then submitting the claims form with all the relevant invoices and receipts.

Deductibles - 8 / 10

Petfirst offers flexible deductibles of $50, $100, $250, and $500. Not many other plans offer the option of such a low deductible. Choosing it would translate into higher premiums, but it could be a valuable option if it fits your particular situation, i.e. you know you can afford to fit the monthly premium into your budget but are not sure you'd have the extra cash on hand to pay a higher deductible.
Advertised Response Time
14 days
Claim Form
Online Portal
Deductible Type
Minimum Deductible Offered
Maximum Deductible Offered

Pricing: How much does PetFirst cost?

Starting Monthly Premiums

Rate Details: Annual Limit: $1,000, Per-Incident Deductible: $500, Reimbursement Rate: 70%

Pricing - 7 / 10

Petfirst's lower annual limit plans offer pretty much average monthly deductibles when compared to similar plans. However, their higher limit plans are on the pricier side.
Available Discounts: $10 to $20 off for pet parents who purchase their pet health insurance policy online, 5% to 10% corporate employee member discount, 10% animal care employee discount,5% military discount


Enrollment Age & Waiting Periods

Min Enrollment Age
8 weeks
Illnesses Waiting Period
14 days
Free Look Period
30 days

Enrollment - 8 / 10

Petfirst has a particularly painless and lenient enrollment process when compared to other companies. Firstly they do not require a vet exam. Accident coverage begins midnight the day of enrollment and illness 14 days after. There is no fee to cancel. And lastly, Petfirst is one of only a handful of companies that has no upper age limit. Cats and dogs of any age can be covered for life.

Contact & Additional Information

Homepage URL
Company Phone
(855) 270-7387
Headquarters Address
1 Quartermaster Ct, Jeffersonville, IN, 47130
Mailing Address
1 Quartermaster Ct, Jeffersonville, IN, 47130
American Alternative Insurance Corp.
Standard & Poor's Financial Rating
Moody's Financial Rating
AM Best Financial Rating
BBB Rating
Year Founded
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Latest Reviews

Based on customer reviews
42 Reviews
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Dedria G
Minooka, Illinois
GreAt customer Ser ice. Quick turn around d for claims.

Margo M
Temple, Texas
We are so thankful to have had PetFirst insurance. We have had several incidences of cancer with our dogs, and they have saved us from financial failure. Thank you Petfirst!!!

Margo M
Woodway, Texas
They have paid for my dog's cancer issues every time. Great company, and I highly recommend their insurance!!!

Anne L
Pelham, Alabama
We have had 2 emergency incidents in less than a year! Silly dog! Both times everything went smoothly! We pay more monthly for a lower deductible. No issues at all!

Jennifer B
About one month ago I adopted my 9 week old puppy. We believe he is a mix of Labrador Retriever, Heeler, Fox Hound and who knows, anyway, he has been amazing! I took him to his first vet appointment, submitted my claims by scanning and email. They sent me one email that they received the claim, a couple days later an email stating it was processed and I will be receiving a check in mail very soon. I believe the whole submit claim to receive the check took about 9-12 days. I have not received the check yet(email was sent yesterday) I am curious as to how much I get back and how a puppy visit breaks down as far as a checkup and stool sample including medicine for a stool parasite.... Read More

Mary M
Evansville, Indiana
Always satisfied with communication, processing time, and reimbursement delivery time. Never had any issues. M

Fannie S
Manteo, North Carolina
Best pet insurance

Mandy N
Las Vegas, Nevada
Don't waste your money. This company looks for ways not to pay claims. They label claims as either preexisting condition, or routine healthcare. In addition, they are slow, and don't call you back when promised.

Aurora, Colorado
What a joke for insurance. They don't pay for anything that clearly your plan says it does. So unorganized and clueless. So dissatisfied , they seem like a scam.

Kathy K
Chesterfield, Virginia
My 4 year old Fur Baby got sick dehydration & Pancreatitis.... Not only scary but very costly... Sent my claim in & was reimbursed about 75% within 10 days of claim.. Thanks Petfirst for fast & easy claims. K. Kemp

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