PetFirst Pet Insurance Review

PetFirst is a pet insurance company based in Jefferson, Indiana, that provides coverage to both dogs and cats. Founded in 2004, the company has an easy enrollment process and offers customizable plans. After doing a thorough PetFirst Pet Insurance review, it is our top choice if you have a pet with immediate needs.


cat and golden retriever

Chendongshan / Shutterstock

Immediate Coverage

PetFirst does not require a vet exam before coverage, and accident coverage begins within 24 hours of registration. Illness coverage has a two-week waiting period. These short waiting periods are why PetFirst is our top choice for people who want coverage ASAP.

No Upper Age Limits

Unlike some pet insurance companies, PetFirst does not have any upper age limits on enrollment. If you want to enroll your 15-year-old cat in PetFirst, you are more than welcome to do so. The policy will likely be more expensive than one for a younger cat, but you can obtain coverage.

Discounted Rewards System

PetFirst rewards you for keeping your pet healthy and accident-free. The company also offers a discount for every year that you do not make a claim!


dog and cat eating out of the same bowl


Here are some of the reasons that PetFirst is a quality insurance option:

  • A BBB rating: A BBB “A” rating shows that PetFirst cares about the experience their customers have. The positive rating means that PetFirst resolves customer issues and has positive reviews.
  • Immediate accident coverage: Most pet insurance providers make you wait a few days or even weeks before your accident coverage kicks in. PetFirst has the shortest wait period we’ve found. It beings the day after the policy starts.
  • No one-time fees: Most pet insurance companies have a nominal administration fee that is required when you first enroll. You will not pay any administration fees with PetFirst.
  • No required vet exams: Most pet insurance providers require your pet to be checked out by a vet before being enrolled in a pet insurance plan. PetFirst does not.
  • No upper age limits: Most pet insurance providers cap the age of pets they will cover. PetFirst does not because it understands that the older your pet, the more in need of pet insurance they are.
  • Wellness plan option: Most pet insurance providers do not offer a wellness plan option, so this is a big differentiator for PetFirst. A wellness plan is what covers routine exams and preventative care. You can add this option with a Routine Care Ryder.


PetFirst offers a variety of ways to save:

  • Animal Care Provider Discount: This ten percent discount applies to any veterinary or animal welfare employees. It includes people who work at vet clinics, animal rescue organizations, and shelters.
  • Claim-free year discount: Like auto insurance providers, PetFirst rewards you for keeping your pet injury and illness free. You’ll receive a discount each year you do not make a claim.
  • Corporate Employee Member Discount: Some corporations are offering pet insurance as a perk to its employees. Employer or member groups can provide its members five to ten percent off of their pet insurance premiums.
  • Military Discount: Military members (both active and retired) are eligible for a five percent discount on their pet insurance policies
  • Multiple Pet Insurance Policies: If you have more than one pet, PetFirst will provide a five percent discount a second policy. You can get a ten percent discount on your third policy and beyond.
  • Online discount: If you book your pet health insurance policy online, PetFirst will give you a $10-$20 off your first month.


holding a dog's paw

Savitskaya Iryna / Shutterstock

PetFirst might not be the best solution for everyone. Here are some things to consider:

  • 12-month CCL waiting period: If one leg has a CCL (ACL) injury before enrollment, the other leg will not be covered.
  • 14-day waiting period for illness: This is pretty standard for most pet insurance providers. PetFirst does not require a vet exam before enrollment. The goal with a waiting period is to prevent people from enrolling their pets in pet insurance after they have become ill or injured.
  • Age requirement: Pets shouldn’t be adopted before they are eight weeks old because they should still be with their mothers. If you do adopt a pet younger than eight weeks, your pet will be ineligible for coverage until it reaches that age.
  • Behavioral therapy coverage requirements: While we appreciate PetFirst covering behavioral therapy, you must purchase routine care coverage first.
  • No preventative dental cleanings: While PetFirst does not cover cleanings, it does cover the treatment of periodontal disease.
  • No unlimited coverage: PetFirst offers three plans, with annual maxes of $2,000, $5,000, and $10,000.
  • Pricier plans: PetFirst may have more expensive monthly premiums for its more inclusive plans.

Product Stats

happy dogs and cats


  • Cancelation fees: None. You can cancel at any time without a fee.
  • Claims are processed within 14 days: Pay your vet bill upfront, then submit the claims form with all relevant invoices and receipts.
  • Exam period: Unlike many pet insurance companies, PetFirst does not require a vet exam before coverage. Accident coverage begins at midnight the day you enroll, and illness coverage begins 14 days after.
  • Healthy pet discounts and premiums: PetFirst offers healthy pet discounts every year you don’t make a claim. Also, this pet insurance company does not increase premiums if you make several claims.
  • Three plan levels to choose from: Each plan has an increasing annual benefit maximum. The base plan starts at an annual coverage of $2,000, with $5,000 and $10,000 limits available at the next two levels. Deductible options range from $50-$500, and the reimbursement level can be 70, 80, or 90 percent on any of the plans.
  • Underwriter: New Hampshire Insurance Company and The Insurance Company of the State of Pennsylvania. This underwriter has an “A” rating from A.M. Best.
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Pre-Existing Conditions:

PetFirst has several pre-existing conditions they won’t cover. They consider curable and incurable pre-existing conditions:

  • Incurable pre-existing conditions generally need lifelong care. Your pet will not be eligible for insurance coverage if they already have symptoms or were diagnosed before the policy start date.
  • Curable conditions are conditions that have been resolved. These conditions can be covered once the pet has had no symptoms for a designated period.


Golden Retriever puppy being examined by vet

Adobe Stock

A PetFirst Pet Insurance review would not be complete without a list of what is and isn’t covered by their insurance plans.

What Is Covered

  • Accidents
  • Diagnostic tests
  • Exam fees
  • Emergency care
  • Holistic care and alternative therapies
  • Hospitalizations
  • Illnesses (including chronic, hereditary and congenital illnesses)
  • Medications
  • Surgeries
  • Ultrasounds
  • X-rays

What Is Covered After a 12-Month Waiting Period:

  • Anterior cruciate ligaments
  • Cranial cruciate ligaments
  • Intervertebral disc disease (IVDD)
  • Posterior cruciate ligaments
  • Medical cruciate

What Is Not Covered

  • Anal glands or anal sacculitis expression or removal
  • Behavioral training
  • Breeding or conditions related to breeding
  • Elective procedures
  • Endodontics
  • Grooming costs and bathing (including medicated baths)
  • Illness or injury caused by the pet’s racing, commercial guarding, coursing or organized fighting
  • Organ transplants
  • Orthodontics
  • Parasite prevention, treatment and illnesses transmitted by parasites (including fleas and ticks)
  • Pet food, special diet, vitamins or mineral supplements
  • Pre-existing conditions
  • Removal of deciduous teeth
  • Routine wellness and preventative care

Waiting Periods

Unlike many of the other pet insurance companies, PetFirst provides coverage nearly immediately for accidents.

  • Accidents: Routine care and accident coverage begin at midnight after activation of your pet’s policy.
  • Illness: Coverage begins 14 days after the policy start date.


Petfirst dog and cat

Adobe Stock

Sample Rates by Breed

PetFirst’s monthly rates vary based on the breed of your pet. Your pet’s age and physical location can also affect your price. Below are sample rates for common breeds so you can get an idea of the variances.

To get an exact quote for your pet, contact PetFirst.

BreedLabrador RetrieverEnglish Cocker SpanielGerman ShepherdYorkshire TerrierYorkshire TerrierYorkshire TerrierMixed Breed Cat
Age2 years8 years4 years6 years2 months2 months2 years
(zip code: 33134)
(zip code: 60290)
(zip code: 90001)
New York
(zip code: 10001)
New York
(zip code: 10001)
(zip code: 60290)
Washington D.C.
(zip code: 20001)
Price Per Month$24.95$59.95$94.00$84.00$68.00$114.95$51.95
Reimbursement Level80%80%90%90%90%90%80%
Annual Deductible$250$250$250$250$250$250$250
Annual Limit$2,000$2,000$10,000$10,000$10,000$10,000$10,000


Reimbursement rates, annual benefit, and annual deductible amounts vary. However, unlike some pet insurance providers, these rates are not dependent upon the age of your pet at enrollment. Additionally, you can select the rates you would like.

PetFirst recommends three base plans but also gives you the option to change the annual benefit, deductible, and reimbursement rates, all of which can affect the price.

The plans are as follows.

Lowest Monthly Premium

  • Annual benefit: $2,000
  • Deductible: $250
  • Reimbursement: 80 percent

Mid-Tier Plan

  • Annual benefit: $5,000
  • Deductible: $250
  • Reimbursement: 80 percent

Top-Tier Plan

  • Annual benefit: $10,000
  • Deductible: $250
  • Reimbursement: 80 percent

PetFirst Pet Insurance Review Conclusion

PetFirst Pet Insurance review

Adobe Stock

After our PetFirst Pet Insurance review, we appreciated that accident coverage from PetFirst starts immediately, no vet visit is required before coverage, and there are no upper age limits.

However, while we like the customizable plan options, we are disappointed PetFirst does not offer unlimited lifetime coverage rates like some pet insurance companies.

If our PetFirst Pet Insurance review has shown you that this is the best company for your pet, get a quote today.

Do you have this insurance company protecting your pets? Leave your own PetFirst Pet Insurance review below.

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