PetFirst Review Logo

Cost (Dogs):


Min $15/month

Cost (Cats):


Min $9/month

Customer service:


Live chat, phone, email, mail, and fax

Mobile App:



Editorial Rating

PetFirst Review Logo

Editorial Rating

PetFirst Review

Advertiser disclosure This page may contain links to our partners’ products and services, which allows us to keep our website sustainable. This means that may receive a compensation when you sign up and / or purchase a product or a service using our links. However, all opinions expressed in this article are solely ours, and this content is in no way provided or influenced by any of our partners.

Cost (Dogs):


Min $15/month

Cost (Cats):


Min $9/month

Customer service:


Live chat, phone, email, mail, and fax

Mobile App:



Waiting periods:


1 day for accidents, 14 days for illnesses, 6 months for intervertebral disc disease and cruciate ligaments



Any licensed vet, including emergency animal hospitals and specialists

PetFirst Review Logo

Editorial Rating

PetFirst has been in the business since 2004. This provider has been helping pet owners with costly vet bills, trying to provide the best medical care for their cats and dogs.

If this insurance provider has caught your eye, but you are still on the fence about enrolling, then our PetFirst Insurance review will provide you with all the necessary information to find a policy that is in your pet’s best interest!

What Is PetFirst Best for?

PetFirst is best for those that own multiple pets and want to take advantage of discounts.

Pet owners with more than one pet can get a 5%-10% discount. In addition, there is a 10% discount for vets and shelter personnel. PetFirst also offers $10 off for your first payment if you purchase a policy online, and if you decide to make one annual payment, the $3 transaction fee will be waived.

The pet insurance plans offered are also customizable. You can choose a lower annual benefit and a higher deductible to lower your monthly premium cost. Or, you can have a higher a lower monthly premium but a higher deductible – whichever works best for you.

Is PetFirst Legit?

PetFirst Healthcare, LLC was founded in 2004. The company was acquired by MetLife in 2020. The pet health insurance policies offered by PetFirst are underwritten by Independence American Insurance Company.

PetFirst Coverage

PetFirst covers:

  • Accidents
  • Illnesses (hereditary, congenital, & chronic conditions)
  • Hospitalizations
  • Surgeries
  • Diagnostic tests
  • Exam fees
  • X-rays
  • Ultrasounds
  • Medications
  • Holistic care & alternative therapies (if the treatment is offered by a licensed vet)
  • Emergency care
  • Intervertebral Disc Disease (after a 6-month waiting period)
  • Cruciate Ligaments (after a 6-month waiting period)

PetFirst also offers a Routine Care Coverage that can cover up to a certain cost (limits apply), some of the following (depending on the added coverage):

  • Wellness Exam
  • Vaccinations
  • Prevention: Heartworm test, Microchip ID, Flea/Tick meds
  • Behavior Training
  • Maintenance: Spay/Neuter; Teeth Cleaning; Blood Panel; Urinalysis; EKG
  • Tests: Heartworm/Fecal/FeLV tests; Blood Panel; Urinalysis
  • Microchip/Health Certificate/Behavioral Exam & Treatment
  • Vaccinations: Vaccinations; Flea/Tick, Heartworm Meds
  • Deworming

PetFirst Limitations

PetFirst does not cover:

  • Pre-existing conditions
  • Elective procedures
  • Expression or removal of anal glands or anal sacculitis
  • Breeding
  • Pet food, special diet, vitamins, mineral supplements
  • Grooming costs and bathing
  • Parasite prevention and parasite treatment
  • illnesses/injuries caused by racing, organized fighting, etc.
  • Routine wellness and preventative care (partial coverage if the package is added to the basic plan)
  • Behavior training
  • Organ transplants

How Much Does PetFirst Insurance Cost?

The PetFirst Insurance plans for dogs start at $15 per month, and the cat insurance plans start at $9 per month.

The plans are customizable:

  • Annual benefit: $2,000/ $5,000/ $10,000
  • Deductible: $50/ $100/ $250/ $500
  • Reimbursement: 70%/ 80% /90%

PetFirst offers the following discounts that can lower your costs:

  • $10 off your first payment if you purchase your policy online
  • 10% discounts for vets and shelter personnel
  • If you make one annual payment, the $3 transaction fee will be waived
  • 5%-10% off for employee benefit
  • Multiple pet discount: 5% discount on your second policy and a 10% discount on your third policy (Discount not applicable to multi-pet family plans)
  • For each year that your pet is claim free, you will automatically receive a $25 reduction in your deductible amount

You can also get a $25 Gift Card if you refer a friend to PetFirst and they purchase a policy (one referral per year).

To get a customized PetFirst quote, fill out the short form on their official website.

PetFirst Customer Service

The customer service team of PetFirst can be contacted via phone, mail, email, fax, or live chat.

The call center operating hours are:

Monday-Friday, 8am – 9pm EST
Saturday, 10am – 7pm EST
Sunday, 10am – 7pm EST

While writing our PetFirst Insurance review, we used the live chat options two times. Both times, we were connected to an agent in a timely manner, and the agent gave us clear answers to the questions we had regarding their policy.

PetFirst Insurance User Reviews

A good way to find how an insurance company treats its policyholders and how employees respond to customer issues is to read reviews from customers describing their experience with the company. We looked up PetFirst Insurance reviews on multiple online sites to find out what customers are saying.

Unfortunately, most reviews on sites like Trustpilot, Yelp, and BBB are fairly negative to average. All Trustpilot PetFirst Insurance reviews from 2020 are one-star ratings.

On a bit more positive note, PetFirst has an above-average consumer rating on PetInsurancreReview. However, it isn’t among the top 15 best pet insurance companies on that website.

The Positives

In their positive PetFirst Insurance reviews, customers expressed their satisfaction with the fast and easy claims process. They have also stated that cat and dog insurance rates are reasonable compared to competitors and that the company reimbursed the claims as promised.

In addition, the support team was also praised for being friendly, helpful, pleasant, and efficient.

The Negatives

The most recent negative PetFirst reviews were from customers whose premiums were increased. In fact, when we looked up PetFirst reviews on Reddit, one of the first things that pop up was a post from a user whose premium almost doubled without notice.

Another common complaint is the issue with reimbursing claims. A large number of customers had their claims denied and weren’t reimbursed. According to those customers, their policies should have covered the costs, but they had to foot the bill on their own.

Is PetFirst the Best Pet Insurance?

PetFirst offers a pet insurance policy that is customizable, affordable and has extensive coverage. What makes PetFirst stand out among competitors are the various discounts they offer. The claims can be submitted online and are processed within 14 days. In addition, by choosing the reimbursement level and deductible you are comfortable with, you can increase or decrease your premium to line up with what you can afford per month.

If you aren’t sure whether PetFirst is the best insurance policy for your pet, check out our other pet insurance reviews.

PetFirst vs Healthy Paws

Unlike PetFirst, Healthy Paws has a reputation for being the best pet insurance provider in 2020.

PetFirst falls short when it comes to annual limits to payouts. If your pet has a condition that requires you to pay thousands of dollars per year, you will have to pay out of pocket for the remaining amount owed. In comparison, Healthy Paws doesn’t have maximum annual or lifetime payouts.

To find out if Healthy Paws is the best dog insurance or cat insurance provider for you, check out our review.

PetFirst vs Embrace

Like PetFirst, Embrace will also diminish your deductible if you don’t file a claim – the difference is that Embrace will reduce it by $50 and PetFirst by $25.

Both companies have a 14 day waiting period for illnesses. However, Embrace has a 48 hour waiting period for accidents, whereas PetFirst has a maximum waiting period of 25 hours (the policy is effective at midnight, the day after enrollment.

For more details about Embrace, check out our review.

Wrap Up

The option to customize your PetFirst Insurance policy can help you reduce your overall costs. And vice versa: if you don’t mind paying extra, you can receive better coverage. Another way to reduce your pet insurance expenses is to see if you are eligible for some of the discounts offered by PetFirst.


  • Multiple pet discount
  • Exam fees are covered
  • $10 off for online purchases
  • 14 days waiting period for hip dysplasia
  • No upper age restrictions for enrolling senior pets
  • $25 discount off your deductible for every year your pet goes claim free
  • Accident coverage begins at midnight EST the next day after enrollment
  • Claims can be submitted from your online account via email, fax, or mail


  • Pre-approval is not possible
  • Cannot pay the vet directly
  • $3 servicing fee for monthly payments
PetFirst Review Logo

Editorial Rating


What is PetFirst?

PetFirst is an animal insurance company that provides health insurance plans for cats and dogs. The policies are underwritten by the Independence American Insurance Company. Customers can enroll in a customizable insurance plan for their pets and get reimbursed for their vet bills – depending on the pet insurance coverage their plan offers.

What does PetFirst insurance cover?

PetFirst covers accidents, illnesses, hospitalizations, surgeries, diagnostic tests, exam fees, medications, emergency care, etc. If you purchase the Routine Care Coverage Rider, they will partially cover preventative care up to a certain cost.

How do I cancel my PetFirst insurance?

To cancel support, you must fill out the cancel form and submit it in writing. You can also call customer support, and an employee will guide you through the process.

How to file a claim with PetFirst?

If you are submitting your claim through the MyPets Claim Portal, you do not need to submit a claim form. Otherwise, you will need to download the PetFirst Pet Insurance claim form, fill it out and sign it. You will also need an itemized invoice, as well as the veterinary medical records (SOAP noted) from the past 12 months if it is your first claim. The claim needs to be submitted within 90 days of the treatment or invoice date. It will be processed within 14 days if you have provided the necessary documents. Claims can be submitted via the MyPets Portal, email, mail, or fax.

PetFirst Insurance: how much will they pay?

PetFirst offers annual benefits of $2,000, $5,000 and $10,000. So, for example, if you choose a plan with a $5,000 annual benefit, they will only reimburse $5,000 per policy year.

Is PetFirst insurance good?

PetFirst is an insurance provider with years of experience, and the company offers customizable and affordable policy plans. As each pet is different, a policy that is perfect for one pet owner may not be right for you. PetFirst has an annual benefit limit on their plans, which means that if your vet bills exceed that limit, you will have to cover some of the expenses on your own. If you have a cat that is likely to have serious health issues, then the best cat insurance policy would be one with unlimited payouts. However, if you can shell out money for unexpected expenses, and would rather have a lower premium and put the rest in savings, then a policy with a low premium and lower reimbursement level may give you peace of mind. It is also worth noting that some of the negative PetFirst Insurance reviews were from customers that had skimmed over the policy – always read the fine print before enrolling.

What is the cheapest pet insurance policy?

The cheapest policy you can find would be an accident only policy. As pet insurance providers don’t cover pre-existing conditions, this type of policy is great for pets that have chronic conditions that would be excluded from the policy either way – which makes expensive policies not worth it. As the saying goes: you get what you paid for. We researched unbiased opinions on which is the best pet insurance provider on Reddit, and noticed that pet owners usually mentioned the same well-known pet insurance providers. The main difference between providers is the type of coverage included in the basic plan and the coverage that costs extra, the annual payout limit, the range of deductibles possible, and the waiting periods. For the best pet insurance comparison, which will help you find the most affordable policy (that still offers sufficient coverage), we suggest getting a quote from multiple providers. Our PetFirst Insurance review will help you discover the basic differences between providers. However, in the end, the cost will depend on the breed and age of your pet, as well as the state you live in.

Is PetFirst Insurance worth it?

We strived to be as objective as possible when writing our PetFirst Insurance review in order to help you make the best decision. While we covered almost everything you need to know about this policy, there are still a few things to keep in mind. Each insurance company increases the premium with time, as was mentioned in the Reddit post about pet insurance. You will start off with a lower premium and then see your costs increase. PetFirst does decrease your deductible each year you go without submitting a claim. However, they do have annual payout limits. Increasing the annual limit means you will have a higher premium. If you believe that this type of coverage is not worth it for you, we suggest having a side by side look at our PetFirst Insurance review with our other pet insurance reviews.