HomeGuidesPetFirst Pet Insurance Review: Best for Regular Checkups

PetFirst Pet Insurance Review: Best for Regular Checkups


A pet insurance plan is the safety net you need to minimize medical expenses should your pet endure an accident or illness. With multiple pet insurance plans available to choose from, is PetFirst the best? Browse through this PetFirst Pet Insurance review.

We will discuss all the relevant details so you can decide for yourself.

Name of Insurance ProviderPetFirst Pet Insurance
Year of Establishment 2004
Key FeaturesAffordable, rated C- by BBB
Coverage Limits$2,000-$10,000
Waiting Period14 days
Website https://www.petfirst.com/
Phone Number 855-270-7387
Email IDinfo@petfirst.com


PerFirst was founded by Lansdon Robbins in the year 2020. The company has a wonderful track record of providing some of the best services and benefits when it comes to pet insurance. Almost every PetFirst Pet Insurance review attests to this fact. 

Some of the many great features of the company include impeccable PetFirst customer service, cost-effective premium plans, and reliable sources. 

MetLife acquired PetFirst in the year 2020. MetLife has over 20 years of experience and an impressive portfolio in the pet insurance area. 


Let’s discuss why PetFirst Pet Insurance stands out in a crowd: 

  • HIGH ANNUAL COVERAGE: Policyholders enjoy an annual coverage of up to $10,000.
  • AFFORDABILITY: The monthly premiums are inexpensive for both cats and dogs. The base price starts at $9 and $15 per month, respectively. 
  • DISCOUNTS: The company offers considerably huge discounts if you avail of the bulk family program. 
  • SHORT WAITING PERIOD: The policy issues a maximum waiting period of 14 days. 


Here are some of the things that were missing in PetFirst Pet Insurance: 

  • NO COVERAGE FOR PRE-EXISTING CONDITIONS: The policy does not cover costs for pre-existing conditions in the pets. 
  • DEDUCTIBLE: You need to pay a deductible every time you avail the insurance for accident related expenditures. 
  • SHORT TRIAL PERIOD: Users only get a rushed trial period of 14 days to decide whether they would want to continue with the plan or not. 
  • RESTRICTED COVERAGE: Does not provide single emergency coverage. Has a restricted coverage limit. 

What Does PetFirst Cover?

Is PetFirst good insurance? For the many benefits offered by PetFirst, the answer to your query would be a big yes. PetFirst offers multiple plans. Each plan comes with customized coverage options.

A standard PetFirst plan would cover the following:

  • Accidents
  • Illnesses
  • Examination fees
  • Hospitalizations 
  • Surgeries
  • Prescribed medications 
  • Holistic care
  • Ultrasounds
  • X-rays
  • Emergency care

Available Plans

PetFirst offers a single accident and illness policy. It includes an extensive list of coverage. It offers three combinations of reimbursement levels, annual limits, and deductibles.

According to the policyholder’s requirements, all these contributing factors can also be customized.

A separate wellness plan is also available to cover the costs of preventive care that are offered to pets. 

Plan NameAnnual Limit
Cost Conscious Plan$2,000
Most Popular Plan$5,000
Additional Coverage Plan$10,000

Plan Pricing 

PetFirst is an affordable insurance plan. Most customers have highly rated it. The rate of the plan depends on the combination of the annual limits, deductibles, and reimbursement levels used to create the plan. 

Plans with smaller limits and higher deductibles provide lower reimbursement. These also happen to be the cheapest plans. 

Plans can also vary based on factors like the breed of your pet, their age, and more. 

TreatmentIncluded in Plan?
Exam FeesYes
Diagnostic FeesYes
Hereditary and Congenital ConditionsYes
Prescriptive MedicationYes
Prescription Dog FoodNo
Dental CareNo
Holistic CareYes
Preventive CareNo
Lab Tests, X-Rays and UltrasoundsYes

What’s Included?

All the policy plans designed by PetFirst include most of the medical expenses and veterinary costs that are incurred by a cat or a dog. Besides this, they also provide coverage for a few non-medical procedures.

A separate wellness plan can also be bought alongside the general insurance policy. 

Whats Not Included?

Many pet owners often ask, Does PetFirst pet insurance cover prescription dog food? Unfortunately, it doesn’t. On that note, let’s check out the exclusions and limitations of PetFirst Pet Insurance: 

  • Elective procedures
  • Pre-existing conditions
  • Bathing, grooming, etc.
  • Breeding
  • Removal of anal glands
  • Dental procedures like removal of a decayed tooth
  • Preventative care
  • Pet food, supplements, dietary needs

Pre Existing Conditions

As seen with any other pet insurance plan, PetFirst also does not provide coverage for pre-existing conditions that a dog or a cat might have.

The cost from any illness or disease that exists in a pet before the starting date of the policy or during the waiting period is not eligible for coverage. 

Coverage Limits 

A policyholder can only choose between three amounts as coverage limits — $2,000, $5,000, and $10,000


The policyholders can issue a claim only within 90 days of the medical treatment. The claim can be either submitted online through PetFirst’s website portal or by filling up a form and sending it through email, postal mail, or fax. 

The claim is processed within 14 days after the required documentation is sent. The first claim would require the health history of the pet, along with all the medical records and notes. 

waiting period for petfirst pet insurance

Waiting Periods 

The accident benefits begin immediately the next day after the policy has been purchased.

The waiting period for illness benefits can go up to 14 days

6 months after the policy starts, the cost of intervertebral disc diseases and cruciate ligament injuries are also covered by the policy. 


PetFirst offers some of the most comprehensive, and well-made insurance features that are most likely to be enjoyed by all pet parents. It is the best insurance out there if your pet needs regular checkups.

PetFirst Pet Insurance can be a safe and effective pick for people who have just discovered the perks of pet insurance.

You may want to check out the top pet insurance providers in the US before making a choice.

Frequently Asked Questions

How Does PetFirst Pet Insurance Work?

PetFirst works in a few, very easy steps. You can visit any vet or a clinic for the required medical procedure that is included within the program after you have bought the policy.

You can send the claim to PetFirst along with other important records and invoices after you have paid the bill.

And then you can enjoy your reimbursement after the claim has been processed.

What Does PetFirst Pet Insurance Not Cover?

PetFirst does not cover the following: 

  • Vaccines
  • Exams
  • Deworming
  • Nail styling
  • Behavioral training
  • Neutering
  • Dental cleaning 

Also Read: Dog Vaccine Guide

Is There a Waiting Period After Enrollment?

For illnesses, there is a waiting period of a maximum of 14 days. There is no waiting period for accidents. 

What is The PetFirst Cancellation Policy?

Wondering How do I cancel PetFirst. The cancellation policy of PetFirst is a hassle-free, seamless process. The cancellation must be sent in writing via the cancel form. You can further reach out to the team at 866-937-7387, click option 4, and let them guide you through the cancellation process. 

Paul Andrewshttps://www.linkedin.com/in/paul-andrews-172490189/
A digital marketing expert by profession, Andrews is a gifted writer and animal lover at heart. A self-confessed "pawrent", Andrews is well-versed in all things dogs. He uses his years of experience of raising puppies into show quality dogs to help guide first time pet parents. He believes in spreading the joy that comes with being a dog dad and advocates more families to adopt pets.


Please enter your comment!
Please enter your name here