PetFirst Pet Insurance Review 2022: Designed Around Routine Care For A Healthier Pet

Lisa Scott

PetFirst offers coverage for dogs and cats at a pocket-friendly price. While the insurance provider focuses on coverage for illness and accidents, it offers you a chance to configure the policy and include add-ons, such as preventive and wellness coverage.

Overall rating


Summary: If you’re looking to be proactive with your pet’s health, PetFirst’s insurance plans are designed around routine care.


petfirst logo


Coverage Up To

70% - 90%

Reimbursement Rates



Policy Application


Fees & Coverage


Claim Support


Customer Service


Safe & Secure


  • Robust resource center
  • Customized coverage
  • Exciting discounts


  • Low annual Limits
  • Pre-existing health conditions are not covered

Best For

  • Routine care
  • Low deductibles
  • Short waiting periods


HQQuartermaster Station, Jeffersonville, IN
PolicyIllness and Accident Coverage, Preventive & Wellness Coverage
Eligible Pet Age8+ weeks old
Annual Coverage$10,000
Reimbursement Rate70%, 80%, 90%
Medical ExamNot a requirement for enrollment
Restricted StatesAvailable in all States

In depth review on PetFirst Pet Insurance

PetFirst was founded in 2004 and houses tens of thousands of pet parents, which focuses on ensuring their pets receive the best healthcare without breaking their savings accounts. 

The insurance agency also supports local communities through its charitable works and discounts. With PetFirst Pet Insurance, you do not need to worry about moving around in the US. The insurer is licensed to operate in all the states, so, you can visit any licensed vet clinic or specialist within those states. The platform’s policies are underwritten by AMIC (Independence American Insurance Company) and have received an A- rating regarding financial stability.

The American Pet Products Association reveals that over 85 million households have pets, but only 2% can afford the best healthcare when emergencies arise. Additionally, the average cost of a dog’s surgery ranges between $1,000 to $1,500, which can be costly. PetFirst ensures that your pet receives the required healthcare during incidences and protects your finances when the need arises.

PetFirst Pet Insurance is best for

  • Routine care: It offers routine wellness coverage that takes care of vet check-up costs and proactive healthcare issues such as vaccines, tests, and screening. 
  • Low deductibles: The platform offers deductibles low as $50, so you do not have to break your account paying for deductibles. You can customize your policy by selecting the deductibles you prefer.
  • Short waiting periods: The platform attracts more pet parents with its short waiting periods. The waiting period for accident coverage is only 24 hours, while illness takes 14 days.

PetFirst Pet Insurance benefits

  • Robust resource center: The platform has informational material regarding pet insurance coverage. You will also get health tips regarding specific breeds to help you make sound decisions when you try to keep your pet healthier.
  • Reimbursement Rates: PetFirst offers a wide range of reimbursement options from 70% to 90%. These reimbursement rates have different monthly premiums. 
  • Exciting discounts: The insurance agency offers discounts up to 10% to professionals working in animal-related fields. Pet parents who enroll more than one pet enjoy a 5% discount on every additional pet.

PetFirst Pet Insurance drawbacks

  • Low annual Limits: The maximum annual limit for the insurance agency is $10,000, which is relatively low compared to other insurers. However, PetFirst offers different annual limits to choose from.
  • Pre-existing health conditions are not covered: If your pet has any current health issues, PetFirst will not cover it.  

Factors contributing to the overall rating

Policy application


To enroll your pet, you need to sign up and add following pet information:

  • Pet type: Dog or Cat
  • Pet name 
  • Gender
  • Type of breed 
  • Age

Also, you need to provide your personal information, including your location, then link your active debit or credit card for paying the monthly premiums and deductibles. You do not need to pay any sign-up fee.

The policy runs for one year from the day of sign-up, but you need to ensure your monthly premiums are paid on time. Once your policy expires, the insurance agency automatically renews the policy instead of requalifying for it.

Fees and coverage


PetFirst offers one coverage that includes illness and accidents. It does not offer an accident-only policy. The comprehensive coverage includes a range of options, such as veterinary visits, illnesses, injuries, and emergency incidents. 

The annual limit ranges from $2,000, $5,000, and $10,000, while deductibles range between $50, $250, and $500. The platform also offers a variety of reimbursement options ranging between 70%, 80%, and 90%. Before your accident coverage begins, the waiting period is 24 hours, while for illness is 14 days. 

PetFirst also offers preventive and wellness coverage to ensure your Pet’s health is protected all year round. According to PetFirst, this coverage is referred to as Routine Rider Care. Routine Care Rider coverage can be purchased as an add-on policy at an extra cost. The insurance agency allows you to visit any licensed vet clinic or specialist within the US.

To receive a price, please visit their website and fill out a quote.

Claims support


Filing a claim at PetFirst involves three simple steps. You visit a licensed vet clinic or specialist in the US, pay the bill, and submit your claim form attached with the invoice from your vet visit. The claims department will process the claim, and you will receive reimbursements within two weeks from the date of the claim. 

To ensure the process is smooth, you need the following items for verification with the claims department.

  • Download a claims form from the official website, filled and signed
  • Attach the medical report for your pet from the licensed vet. You can also include the prescription drugs recommended. Medical reports are also termed as SOAP notes which could be handwritten or digital
  • The bill from the vet

The platform offers several options through which you can submit the claims. First, you can log in to your account from the official website and click on MyPets Account to file the claims. You can also submit your claims through fax at 877.281.3348 or send an email to [email protected] You can also send the claims via the platform’s postal address listed on the website.

PetFirst requires that you submit your claims within 90 days from the date of invoice. According to the customer reviews on the platform, 80% of the claims are processed within ten days. You can also check the status of your claims through MyPets Account or call the number 866-937-7387. Once your pet insurance claims are approved, you will receive a check via mail.

Customer support


When you visit PetFirst’s official website, you will come across several positive reviews regarding the platform’s customer support. PetFirst is easy to navigate, and pet parents can contact the support staff through the official website via live chat. 

There is also a telephone number listed on the platform to speak directly to the support staff. Although the support staff does not operate 24/7, it is one of the few insurance providers that offer customer service during weekends. An email address is available on the website for questions, feedback, or concerns.

Safe and secure


Third-party ratings from AM Best reveal that the platform is a financially stable insurance provider implying that the agency meets its obligations to pay for pet healthcare coverage. It has policies that guide members on information collection and sharing to protect their data. 

You can also make payments for deductibles and premiums by linking your active debit card or credit card directly to your account. The insurance agency is licensed and regulated by relevant insurance regulatory authorities in the US.

Is PetFirst Pet Insurance right for you?

PetFirst Pet Insurance is committed to ensuring your pet receives the best healthcare during illness, accidents, and injuries at cost-effective monthly premiums. With annual limits of up to $10,000, the platform allows you to customize your plan to suit your financial situation. With the low deductibles and monthly premiums, this makes it a great provider for routine care for a healthier pet.