Editor choice

PetFirst Insurance Review

We may earn money or products (at no cost to you) from the companies mentioned in this post. However, we do not let any merchant influence our ratings - even though they might like to. ;-) Some of our top rated merchants we have no relationship with, other than we like their products! We do however appreciate you using our links when possible, because it allows us to keep the lights on and bring you more great reviews!

PetFirst Pet Insurance Review

Excellent coverage, great rates and ideal for multi-pet households.  Combine that with the lowest waiting periods in the industry and Petfirst is a top Pet Insurer.


PetFirst Insurance started as a small 2 person company in 2004 and has since developed into the fastest growing pet insurance company in North America. The company’s goal is to provide solutions to every pet owner by offering the best policies in the industry and working with customers to know exactly what they want. Their unlimited lifetime coverage and great add-on packages means that they will be able to cover all of your pet’s needs, and all of your own financial worries.

PetFirst is an ideal pet insurance for owners of a multi animal household who want comprehensive coverage. Especially good for senior pets.



PROS:
  • Multi pet discount
  • Routine Wellness add-on
  • No lifetime limits
  • Shortest Waiting Period in the Industry
  • Healthy Pet Discount
  • No Customary Charge Restrictions
  • Covers Holistic/Alternative Therapies
CONS:
  • Slow processing claims
  • Top-tier plans are expensive
  • Low annual limits on low-end plans
  • Annual Exams & Preventive Care are Add-ons
  • Deductibles are per incident, not annual


Plans/Pricing: (Rating: 8/10)

PetFirst has only one lifetime coverage plan that provides the same coverage but differs in it's annual limits of $2,000 and $5,000. These annual limits are low compared to their competitors and pricing is a bit more than competitors, but where PetFirst shines, is in the comprehensive coverage. They are one of the only insurers to cover bi-lateral conditions – which is is a medical condition that can happen on both sides of the body. Normally if a pet has been diagnosed with a bi-lateral condition, the insurer will not cover any issues that arise on the untreated side.

While many insurers say they cover “Alternative therapies”, many also state they don't cover “holistic” treatments – Petfirst covers both. Other areas where they separate themselves from other insurers include coverage for unlimited foreign body ingestions per year, Dermatological Conditions, Aging Pet Ear & Eye Conditions, coverage for Experimental & Investigational Treatments, and they also cover periodontal disease. The Periodontal disease coverage again is especially helpful for owners of senior pets – as any senior pet owner will attest to.

Prices are based on geographic location, breed, size of dog, age, deductible chosen, reimbursement level chosen and annual limit.

For a medium sized mixed breed 2 year old dog from Minnesota the price averages about $29.95 for a $250 per incident deductible, 80% reimbursement, and $5,000 annual limit.

For a domestic short-haired, 2 year old cat from Minnesota the price averages about $17.95 for a $250 per incident deductible, 80% reimbursement, and $5,000 annual limit.

All plans provide guaranteed lifetime coverage for accidents and illness, plus other common pet diseases.

Petfirst offers multiple discounts for purchasing via the internet ($10 or $20), military (5%), animal care employees (10%), and multiple pet discounts of 5% discount on your second policy, and a 10% discount on your third policy and beyond. These discounts can be combined.

You also get a 14 Day Money Back Guarantee.

Sample Pricing for a 2 year old female mixed breed medium dog from Minnesota

Petfirst Dog Pricing

PetFirst Pricing for 2 year Old Female Mixed Breed Medium Sized Dog from Minnesota

Sample Pricing for a 2 year old female domestic short-haired cat from Minnesota

PetFirst Pricing for 2 year Old Female Domestic Short-Haired Cat from Minnesota

Waiting Period: (Rating: 10/10)

PetFirst requires a 14 day waiting period for illness, however accident coverage begins the day after you register. There is also a 12 month waiting period for cruciate ligaments and disc disease. No additional wait period on hip dysplasia, patella luxations or orthapedic conditions.

Availability: (Rating: 8/10)

With PetFirst you can visit any licensed veterinarian in the United States. PetFirst does not offer coverage for your pet if travelling outside the U.S.

Exclusions: (Rating: 9/10)

PetFirst has the following exclusions:

  • Pre-existing conditions
  • Elective Procedures such as ear cropping, tail docking & declawing
  • Pet food, special diet, vitamins, mineral supplements
  • Breeding and conditions related to breeding
  • Orthodontics, endodontics and removal of deciduous teeth
  • Parasite prevention, parasite treatment and illnesses transmitted by parasites
  • Behavioral training

Routine wellness checkups, spaying or neutering, dental cleaning, vaccinations, removal and preventive treatments of fleas/lice/heartworm are also excluded unless you have bought an optional add-on rider.

Claims/Deductibles: (Rating: 7/10)

PetFirst gives options for per incident deductible amounts of $50, $100, $250, $500. They also offer reimbursement levels of 70%, 80%, and 90%.

Payouts/Limits: (Rating: 7/10)

PetFirst Insurance has no per-incident or per-lifetime limits. However they do have annual limits of $2,000 and $5,000. The annual limits depend on which plan you get.

It will take PetFirst around 10-15 days to process your claim once it has been submitted. Reimbursement checks will arrive by mail within 10 business days of your claim being successfully processed.

Extras: (Rating: 9/10)

PetFirst Insurance provides discounts for owners of multiple pets. Customers who enroll in their family plan save on average 30%!

You are also given the option of adding 3 different routine care packages to your coverage if you wish. These packages cover things such as vaccinations, exams, microchipping and training.

1. Routine Care 125: Provides up to $125 in reimbursement for for $8/month.

2. Routine Care 250: Provides up to $250/year in reimbursement for $15/month

3. Routine Care 400: Provides up to $400 in reimbursement for $22/month.

PetFirst Routine Care Coverage

PetFirst's Wellness Coverage Plans

Ease of Enrollment: (Rating: 9/10)

PetFirst has a great website that allows you to learn all about their plans and everything they provide for you and your pet. At the click of a button you can receive a quote for your pet and then register and start receiving coverage.

Customer Service: (Rating: 9/10)

PetFirst is available Monday through Friday from 8am-9pm EST, or Saturdays from 10am-6pm EST. They can be contacted through e-mail at info@petfirst.com or by phone at 1-866-937-7387.

PetFirst Insurance also allows you to view the details of your policy, monitor the status of your claims, and update your billing information all online through your account on their website.


Pricing and Details

Pricing
Pricing depends on breed, age, size, whether your pet is spayed or neutered, and the deductible and reimbursement level.

Prices can vary greatly because of all these factors, but an average estimate would be $28/month for small dogs, $30/month for medium sized dogs, and $36/month for large dogs. As well, the average monthly price for cat owners is around $18.

*Sample costs based on a 2 year old mixed breed from Minnesota with a $250 per incident deductible, 80% reimbursement level, and $5,000 annual limit.

Contract Type
PetFirst gives customers the choice of paying either monthly or annually. Those who pay annually get a slight discount.

Enrollment Age
There is no upper age limit, and pets as young as 8 weeks can enroll with PetFirst.

Wellness
PetFirst offers routine care add-ons that cover general wellness.

Accident/Injury
PetFirst is designed to cover accidents and illness.

Deductible
PetFirst offers per incident deductibles in the amounts of $50, $100, $250, and $500

Claims
PetFirst will not increase your premium as a result of making claims.

Limits
There are no per-incident or per-lifetime limits when insured by PetFirst. They have annual limits of $2,000, $5,000, $10,000 and $20,000, depending on which plan you have.

Special Coverage
Alternative care and congenital conditions are covered. Hip dysplasia is also covered as long as it is not a pre-existing condition. Cancer treatments, Holistic & alternative therapy coverage, and coverage for vaccinatable diseases like canine influenza, parvo and kennel cough are also covered. They are one of the only insurers to provide coverage for bi-lateral conditions.

PetFirst also provides an optional routine care package that covers wellness and preventative care.



Specification

Pricing and Claim Info

Price Range for Dogs: $28 to $36 per month

Pricing Rage for Cats: $18 per month

Pricing Based on: 2 yr old female medium sized mixed breed dog from Minnesota or 2 yr old female domestic short-haired cat from Minnesota with $250 per incident deductible, 80% reimbursement, and $5,000 annual limit.

Multiple Pet Discount: 5% for 2nd pet and 10% for 3rd and subsequent

Money Back Guarantee: 14 Days

Type of Deductable: Incident

Reimbursement Based on: : Actual Veterinary Charges

Online Claim Submittal & Processing

Enrollment Age Minimum: 8 Weeks

Enrollment Age Maximum: None

Effective Date: Midnight (EST) after enrollment

Waiting Period - Illness: 14 Days

Waiting Period - Accidents: None

Waiting Period - Heredity/Congenital/Other Conditions: 14 Days

NO Pre Coverage Exam Required

NO Vaccination Requirement for Coverage of Certain Conditions

Coverage: Both In-State & Out of State

Claims Cause Policy Increase?: No

Contract Type

Monthly

Annually

Help and Support

Phone

Email

Benefits/Statements Online

Annual Deductables

$0

Per Incident Deductibles

$50

$100

$250

$500

Reimbursement Levels

70%

80%

90%

Per Incidence Limits

On Wellness Plans Only

Annual Claim Limits

$2,000

$5,000

LifeTime Claims Limits

no limits

Covered Animals

Dogs

Cats

Coverage

Spay/Neuter: No

Exam Fees: Yes

Accidents/Injury

Illness

Congenital Conditions: Yes

Wellness Coverage: Add-on help

Dental: Add-on

Pregnancy: No

Special Coverage: Yes help

Prescription Drug Coverage: Yes

Behavioral Issues

Prescription Food & Supplements: No


Who is This Insurance Plan Ideal For?

PetFirst is perfect for owners of multiple animals who want all of them to be insured and have guaranteed coverage for the rest of their life.

What We Like

Short waiting period for accidents
Most pet insurance companies require a 14 day waiting period after registration for both accident and illness. While PetFirst also has a 14 waiting period for illness, their coverage for accidents begins within 1 day of registration. This means you do not have to worry about lacking coverage should anything happen shortly after you register.

Discounts for family packages and annual payments
Many people own multiple pets, and providing insurance for all of them can amount to a small fortune. PetFirst is unique in allowing customers to purchase a family plan to insure multiple pets, and the fact that users save 30% of the average cost helps relieve the financial stress they would normally face.

PetFirst also gives discounts to customers who choose to pay on a yearly rather than a monthly basis. This is just another way that PetFirst helps owners save on the cost of pet insurance.

Optional wellness add-ons
The three optional add-ons that PetFirst provides which cover routine care are perfect for any owner who wants to be able to budget for their vet bills. They cover an extensive range of services and are one of the best options for add-ons in the industry.




What We Don't Like

Reimbursement checks sent by mail
Unlike other pet insurance companies that pay the vet directly or reimburse customers through direct deposit, PetFirst sends customers reimbursement checks through the mail. This means customers have to wait much longer to get the money they deserve.

Customers are forced to choose between an expensive premium or low annual limits
The lowest plan that PetFirst offers is a very reasonable $37/month, but it comes with a low annual limit of $5,000. On the other hand, their top plan has a high annual limit of $20,000, but comes at the price of $107/month. This is unfortunate because it forces owners to choose between affordability and coverage.

Pre-Existing Conditions not Covered
Like all other pet insurance companies, pre-existing conditions are not covered with PetFirst. While this practice is understandable, it is unfortunate because it excludes older animals that have already had health problems from receiving coverage.


Summary

PetFirst offers the best options for families looking to insure more than one pet. The discounted family packages offer much more affordable care than the alternative of insuring each pet individually. Unfortunately, even with the great add-on packages and unlimited lifetime coverage that they offer, their main plans are not as competitive as those offered by other companies. Nevertheless, with their great customer service, and continued growth, you can be sure that your investment with PetFirst will be well worth it.

Excellent coverage, great rates and ideal for multi-pet households.  Combine that with the lowest waiting periods in the industry and Petfirst is a top Pet Insurer.


8.4 Total Score
An insurer for multi-pet households.

PetFirst is an ideal pet insurance for owners of a multi animal household who want the shortest waiting periods, affordable coverage, and protection from unexpected veterinary costs.

Plans/Pricing
8
Waiting Period
10
Availability
8
Exclusions
9
Claims/Deductibles
7
Payouts/Limits
7
Extras
9
Ease of Enrollment
9
Customer Service
9
PROS
  • Multi pet discount
  • Routine Wellness add-on
  • No lifetime limits
  • Shortest Waiting Period in the Industry
  • Healthy Pet Discount
  • No Customary Charge Restrictions
  • Covers Holistic/Alternative Therapies
CONS
  • Slow processing claims
  • Top-tier plans are expensive
  • Low annual limits on low-end plans
  • Annual Exams & Preventive Care are Add-ons
  • Deductibles are per incident, not annual

PetFirst is an ideal pet insurance for owners of a multi animal household who want affordable coverage for all their animals and the protection from any unexpected veterinary costs. #pets #insurance #cats #dogs



Lynn is the founder and chief editor at ReVUEzzle.com. She is responsible for strategy and business development. Her background is in software development, marketing, and project management. She loves camping, traveling, and all things soccer related. She has been married for over 30 years to one great guy and has two adult children. Lynn is also the human companion to two cats - Jynx and Spanky. She is based in Minnesota, USA.

Compare items
  • Accounting Software (0)
  • Beer Clubs (0)
  • Brownie Shops (0)
  • Chocolate Clubs (0)
  • Cloud Backup (0)
  • Coffee Clubs (0)
  • Gift Basket Merchants (0)
  • Meal Delivery Kits (0)
  • Pet Insurance (0)
  • Small Business Phone Systems (0)
  • Web Conferencing (0)
  • Web Hosting (0)
  • Wine Clubs (0)
  • (0)
Compare
0