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PetFirst Pet Insurance Review: Best for Regular Checkups

Overall Rating : 3 / 5

  • Name of Insurance Provider PetFirst Pet Insurance
  • Year of Establishment 2004
  • Key Features Affordable, rated C- by BBB
  • Coverage Limits $2,000-$10,000
  • Waiting Period 14 days
  • Website
  • Phone Number 855-270-7387
  • Email ID


All You Need to Know

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


  • Annual coverage of up to $10,000
  • Inexpensive monthly premiums starting at $15 per month
  • Huge discounts if you avail the bulk family program
  • A maximum waiting period of only 14 days


  • No coverage for pre-existing conditions 
  • Deductible charged every time you avail the insurance for accident related expenditures

Lifetime protection, Coverage for common illnesses, Rated A+ by BBB

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.

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


petfirst pet insurance overview

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

Get a Quote


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
  • SurgeriesYes
  • HospitalizationYes
  • Hereditary and Congenital ConditionsYes
  • VaccinationNo
  • Prescriptive MedicationYes
  • Prescription Dog FoodNo
  • Dental CareNo
  • Holistic CareYes
  • Preventive CareNo
  • Lab Tests, X-Rays and UltrasoundsYes
  • GroomingNo
  • BreedingNo


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.


What’s 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 Period

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.


Meet Paul, a devoted dog dad to the delightful French Bulldog, Cofi. With a flair for humor and a deep understanding of Frenchie quirks, Paul brings a lighthearted touch to his writings. His relatable stories and practical insights are a blend of laughter and valuable advice and resonate with fellow dog owners.

Through his words, Paul aims to celebrate the joys and challenges of being a dedicated pet parent, reminding you that life is simply better with a four-legged, snorting sidekick by your side.