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Overall Satisfaction Rating 2.33/5
  • 5 stars
  • 4 stars
  • 3 stars
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  • 1 stars
Based on 6 ratings

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PetFirst provides insurance for dogs and cats of all ages and breeds. They are one of the fastest-growing pet health insurance administrators in North America, and have helped thousands of pet owners give their pets the best veterinary treatment available. PetFirst is a company that takes pride in offering pet insurance that is simple and straightforward, accessible and affordable. Their plans offer robust annual benefit amount options, chronic care coverage and no lifetime or per-incident limits for pets of all ages. You can easily customize your deductible and reimbursement rates to work for you pet's needs and your budget.

If you want the best care for your four-legged family members, start your free quote today!


PetFirst is a pet insurance provider that offers medical and veterinary care coverage at a low monthly rate.


  • No age or breed restrictions
  • Available in all 50 states
  • 80% reimbursement rate


  • Doesn’t cover routine wellness exams
  • Doesn’t cover pre-existing conditions

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How PetFirst pet insurance works

PetFirst covers all breeds of dogs and cats. There are no age limits, but puppies must be at least 8 weeks old to qualify for coverage. Find out if PetFirst is right for your pet by filling out the form on the company’s website, after which you get information on discounts and the best plan option based on your pet's breed and size.

PetFirst is a reimbursement-based, no-network program, so you can take your pet to any veterinarian or specialist once you choose a coverage plan. After your vet or specialist visit, you send PetFirst a claim form, your pet’s medical records and an invoice for the visit. PetFirst works with your vet’s office to gather the information needed to process your claim within two weeks.

You can download claim forms from the PetFirst website and submit them through the PetFirst online portal or by mail, email or fax. You must submit claims within 90 days of your vet visit, and you can check the status of the claim when you log into your PetFirst account. Coverage begins one day after the date listed on your policy, but there is a 14-day waiting period for illness-related claims.

How much does PetFirst pet insurance cost?

PetFirst offers programs for every budget and condition, with coverage plans starting as low as $15 per month for dogs and $9 per month for cats.

There are two primary plans:

  • The Cost Conscious plan has an annual benefit of $2,000
  • The Recommended plan has an annual benefit of $5,000

PetFirst also has an optional coverage add-on with a yearly benefit of $10,000. All policies have an 80% reimbursement rate and a $250 deductible.

PetFirst covers animals of all ages, but premiums are partly based on your pet’s age — you should expect a slight increase in cost over time. PetFirst takes pride in rewarding its customers, so your deductible goes down every year that you don’t file a claim.

If you aren’t satisfied with PetFirst’s program, there’s a 14-day money-back guarantee as long as you haven’t submitted any claims.

What does PetFirst pet insurance cover?

PetFirst insurance offers coverage for multiple ailments, but routine wellness exams aren’t covered under the Cost Conscious or Recommended plans. PetFirst offers exclusive routine care rider coverage, which helps pay for services such as routine exams, vaccines and behavior training.


  • Accidents
  • Hereditary & congenital illnesses
  • Chronic conditions
  • Hospitalizations
  • Surgeries
  • Diagnostic tests
  • Exam fees
  • X-rays
  • Ultrasounds
  • Medicines

Not covered

  • Pre-existing conditions
  • Elective procedures
  • Expression or removal of anal glands or sacculitis
  • Breeding or breeding-related conditions
  • Special diet foods or vitamins
  • Grooming costs
  • Medicated shampoos
  • Parasite preventions & treatments
  • Orthodontics
  • Illness resulting from organized racing or fighting
  • Organ transplants
  • Routine wellness exams

After a 12 months, your pet’s coverage extends to include intervertebral disc disease (IVDD) and certain types of ligament damage.

Is PetFirst worth it?

Veterinarian bills can be expensive, and an accident or sudden illness could cost thousands of dollars for care. Because PetFirst reimburses up to 80% of medical costs for specific procedures, it drastically decreases your vet bills. If your pet is at risk for hereditary illnesses or conditions, PetFirst pet insurance could be a viable option for you.

PetFirst Reviews

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Page 1 Reviews 0 - 10
Rated with 1 star
Verified Reviewer
Original review: Sept. 18, 2020

I got a free 30 day trial after adopting a kitten. The kitten ended up having a cold and the vet also recommended a fecal sample since they suspected a parasite. The test showed that he did have a parasite, and needed meds. I uploaded all paperwork including vet notes to the site and they denied the claim. They stated 3 different clauses to deny "preventative" and "routine" work. Clearly this company has a clause to deny everything so they never have to payout a claim so I didn't continue coverage after the trial. Waste of money.

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Rated with 2 stars
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Verified Reviewer
Original review: Sept. 14, 2020

Don't know much but do not like their attitude. At least explain what customer is getting. I had to ask and was annoyed by how asking her was a big inconvenience. It's her job! Do it well no matter what you do

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    Rated with 3 stars
    Verified Reviewer
    Original review: Sept. 1, 2020

    I have no basis for reference, as this is the first pet insurance I've ever purchased, and that is why I gave everything a three. I did not want to purchase this insurance but my spouse insisted upon my doing so. This insurance is for our cat and we took out the "Cost Conscious" plan. It looks like it offers standard treatments we expect our cat to continue needing with a more expensive emergency operation covered up to $2000. It was easy to navigate the site and the cards came in the mail pretty quickly. Luckily, our vet has dealt with this insurance before.

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    Rated with 3 stars
    Verified Reviewer
    Original review: Aug. 31, 2020

    We have StateFarm as our homeowner’s and auto insurers, but they do not provide pet coverage. We shopped around and none were really great, so we settled for Petfirst. The coverage is decent for the price which affects my rating for relatability of the coverage.

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    Rated with 4 stars
    Verified Reviewer
    Original review: Aug. 30, 2020

    We have a policy for both of our rescues. Decent coverage and you can change coverages mid policy. They have wonderful customer service representatives and payment options. They also provide clear and concise email communications.

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    Rated with 1 star
    Verified Reviewer
    Original review: Feb. 12, 2016

    The policy you buy is not the policy you get. This company adds exceptions to coverage every year you renew until you are basically paying them and they are covering nothing as your dog ages. We had this policy for several years and called every renewal year to be sure it remained the same. They did not disclose they were adding exceptions every year. Not once. Not until our older dog had an accident at the park with another dog running into his knee requiring surgery to repair. When I called to verify coverage I was told I need to read all the new exceptions every year but it probably would be coverage under our accident coverage.

    The vet sent in the accident explanation with the claim. It was "declined under exception 17". This company collects your money and employs deceptive practices in diminishing benefits every year of the pet's life with additional exceptions until you have no coverage. Wasted money and the abuse of consumer's trust that their pet is protected. We had to use financing to take care of the surgery after paying them premiums for years.

    27 people found this review helpful

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    PetFirst Company Information

    Company Name:
    Year Founded:
    400 Missouri Avenue
    Postal Code:
    United States