PetFirst Pet Insurance Review

Rating: 7.9 / 10 (Very good)
50 Customer Comments & Reviews - see all comments
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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.

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

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 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.
Benefit Limit Types
Annual Benefit Maximum

Reimbursement & Deductibles

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.
Reimbursement Model
Actual Cost
Minimum Percent Reimbursement
Maximum Percent Reimbursement

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.
Deductible Type
Minimum Deductible Offered
Maximum Deductible Offered

Pricing: How much does PetFirst cost?

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.

Starting Monthly Premiums

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

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

Claims & Service

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.
Advertised Response Time
Claim Form
Online Portal

Contact & Additional Information

Homepage URL
Headquarters Address
1 Quartermaster Ct, Jeffersonville, IN, 47130
Mailing Address
1 Quartermaster Ct, Jeffersonville, IN, 47130
Year Founded

What We’re Hearing From Our Readers
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Customer Comments

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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.
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Easton, 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
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Ellicott City, 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!!!
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Newark, Delaware

Pet First is a great company !! I would recommend it to everyone I know!!!
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John a
Ocean View, Delaware

Our costs for 2 days at the Vet was over $1000.00 and PetFirst Insurance paid $941.00. We were more than satisfied and it was a relief since we still had health concerns for our little girl. Even though cost was not an issue as we all do whatever we can to save our pets the arrival of the check was comforting.
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Bruce K
Palm Beach Gardens, Florida

I was provided a 1 month policy with my shelter pet adoption. The dog got sick soon after getting home. I incurred over 800 in bills and Pet First denied all claims. The say it was a pre-existing condition, but the dog had no symptoms before he was adopted. This is a typical insurance scam, collect premiums and deny claims.
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Janene M
Hayden, Idaho

PetFirst was very helpful in reimbursing me for a very expensive veterinary bill. My invalid spouse fell on my Chinese Crested and injured her. I took her to am emergency clinic and after she came home her health seemed to worsen, and I took her to my llocal veterinarian. He took tests and discovered she had a fractured rib, and a clot on her lung. If I wouldn't have taken her to the veterinarian at the time she would have lost her life. The veterinarian sent her to a special pet emergency care center for 24 hour care over the weekend. She has now recuperated at the cost of over $5000. If I had not had PetFirst insurance the cost of the veterinarian expenses would have been all of... Read More
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Cindy D
Payson, Arizona

I love this insurance company!!! It has helped me so much to give the care to my dogs that I otherwise could not. They are fair, efficient and most importantly compassionate!!! Thanks to all who work at Pet First!!!
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Nancy H
Hopewell Junction, New York

Hi I was disappointed with my last submission because I did not get that much back . . my bad, I forgot about the $50 per incident deductible, my dog had an ear infection and it was only 1 visit so not too much $$, but I was reimbursed for everything beyond that $50. However! My 13 year old cat has been struggling with a nasty UTI - her first ever! - and we have been to the vet (4) times already, with all kinds of testing and medication being done . . . cost a small fortune and I am VERY HAPPY to say that I was reimbursed MOST of it . . . what a relief! I am so happy I have Pet First Pet Insurance. Also their customer service reps are wonderful if you have to call them with any... Read More
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Sue L
Dallas, Texas

PetFirst Pet Insurance is outstanding. Coverage is affordable, it is easy to file a claim and reimbursement is within 2 weeks of filing.
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Our Partner
7.9 / 10
  • A+ rated with Better Business Bureau
  • Short waiting period before coverage begins
  • Hereditary, congenital & chronic conditions
  • No exam required
  • Coverage for exam fees