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: 7.8 / 10 (Very good)
36 Customer Reviews - see all reviews
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How is PetFirst rated?


Benefit Limits
Claims and Service

Overall Rating: 7.8 / 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.

Company Profile

Full Name
PetFirst Pet Insurance
Year Founded
BBB Rating
American Alternative Insurance Corp.
Moody's Financial Rating
Standard & Poor's Financial Rating Financial Rating
AM Best Financial Rating
Company Website
1 Quartermaster Ct, Jeffersonville, IN, 47130
Mailing Address
1 Quartermaster Ct, Jeffersonville, IN, 47130

PetFirst Coverage

Coverage Specifics

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

Coverage - 8 / 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

Benefit Limits


Benefit Limit Types
Annual Benefit Maximum

Benefit Limits - 7 / 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.


Key Facts

Deductible Type
Minimum Deductible Offered
Maximum Deductible Offered

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.


Key Facts

Reimbursement Model
Actual Cost
Minimum Percent Reimbursement
Maximum Percent Reimbursement

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.

Claims & Service

Key Considerations

Advertised Response Time
14 days
Claim Form
Online Portal

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.

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.
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Latest Reviews

Based on customer reviews
36 Reviews
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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

[email protected]
Chicago, Illinois
I was glad that I had my insurance when Riley got cancer and had to have surgery I am very pleased now that as he's growing older and things happen that I am covered and I at least get some money back from the costly treatments that he has to receive.

Sacramento, California
This company is really difficult to deal with, and there are no managers to speak of. My cat was hospitalized for fever, vomiting and lethargy. I have a whopping 3500 dollar bill, and they denied me,saying that my cat had pre-existing condition a year prior. Well, I also had a fever and vomiting a year ago because I was SICK, if I went to the Dr. today because I was sick, they wouldn't say it was pre-existing. The way PetFirst explained it to me, the cat could never have vomited and gone to the Dr. prior to the policy date. Ridiculous.

Ron S
Chula Vista, California
Peace of mind is what is most important to me. My experience with PetFirst Pet Insurance has been positive all the way. They are very fast to pay for all legitimate vet bills, and I can rest assured that if my pet needed complicated specialty vet care, my pet would be covered.

Fairfield, Connecticut
Horrible! I have three PetFirst Insurance policies- for my dog and two cats- and I submitted a claim for less than $500 after the 90 deadline to submit claims because I had a devastating situation. A faulty furnace caused major smoke damage to my house that destroyed most of my belongings and required me to have the items I was able to salvage professionally cleaned by a variety of companies who specialize in smoke damage. When I explained the situation to Petfirst I was told it was illegal for them to reimburse me. PetFirst told me that the insurance laws in CT (where I live) prevented them from doing so legally. I told them that this information was incorrect. I had another half a... Read More

Baltimore, Maryland
This is a bait and switch company. STAY AWAY!! Erroneous email communications. CSR's who can't answer any questions. This company is horrible!!!

[email protected]
Newark, Delaware
Pet First is a great company !! I would recommend it to everyone I know!!!

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