PetFirst Pet Insurance Information & Review: Everything You Need To Know

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General Information
How Much Does It Cost?

General Information

One of the fastest-growing health insurance administrators in North America, PetFirst strives to create helpful pet insurance products and services for every family.

The PetFirst team furthers its mission by hosting adoption events every year and partnering with shelters nationwide to rescue pets and find them a “forever home.” They also work with the Ottawa Humane Society and Atlanta Humane Society to provide insurance for adopted cats and dogs.

PetFirst was founded in 2004 by Brent Hinton and Lansdon B. Robbins. PetFirst Healthcare, LLC (“PetFirst Pet Insurance” or “PetFirst”) is the program administrator authorized to offer and administer pet health insurance policies underwritten by Independence American Insurance Company or New Hampshire Insurance Company or The Insurance Company of the State of Pennsylvania.

What kinds of pets are eligible for PetFirst pet insurance?

The PetFirst insurance company offers comprehensive health insurance coverage for all pet parents. Insurance plans include dog insurance, cat insurance, puppy insurance, kitten insurance, and senior pet insurance to cover unexpected veterinary bills.

What insurance plans are available through PetFirst Insurance?

PetFirst offers Cost Conscious and Recommended Pet insurance plans. The Cost Conscious plan has an annual benefit of $2,000, and the Recommended Plan has an Annual Benefit of $5,000. They both reimburse up to 80% of vet bills. You can also include Routine Care as additional coverage.

Key Takeaways

No minimum age limit for enrollment.
$25 discount off your deductible for every year your dog or cat goes claim free.
Lets you choose your own vet.
Will not raise the price of your policy because you file a claim.
Like all pet insurance companies, they cannot cover pre-existing conditions.

How Much Does It Cost?

Pet insurance prices for PetFirst Pet Insurance vary based on your pet's breed, age, and the zip code you live in. Use Pawlicy Advisor to lock in the best price, and compare PetFirst to other leading pet insurance brands for free.

The cost of PetFirst pet insurance varies based on your pet’s age, breed, location, and the reimbursement options of the policy you select.

PetFirst offers programs for every budget. Insurance plans range between $24- $115 per month for dogs and cats, depending on the plan, species, and add-ons.

Use Pawlicy Advisor to lock in the best price, and compare PetFirst to other leading pet insurance brands for free.

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What makes PetFirst pet insurance worth it?

In the United States, a pet receives emergency medical care every 2.5 seconds. Sadly, veterinarian bills can be very expensive. PetFirst reimburses up to 80% of the medical cost for vet care. Where many pet insurance companies shy away, PetFirst provides insurance plans for senior pets, dogs, and cats of all breeds and pets at risk for hereditary conditions, which might make it worth it for you.

After a 12-month wait period, your pet is also covered for Intervertebral Disc Disease and various types of cruciate ligaments.

Additionally, there are no lifetime or per-incidents limits for pets. You can customize your reimbursement and monthly deductibles rates according to your budget and pet needs.

How does the price compare to other plans?

PetFirst total monthly premium is moderately priced when compared to other pet insurance companies.

You can use Pawlicy Advisor to find and compare a range of PetFirst coverage options with context on why they’d be recommended for you.

Important Information to Know About PetFirst Pet Insurance

What to know before investing in PetFirst pet insurance

  • Dogs and cats must be at least 8-week old
  • Coverage for illness begins 14 days after your policy effective date. Accident, Intervertebral disk disease and cruciate problems begin a day after the waiting period of 12 months.
  • The price of the insurance premium increases as your pet ages.
  • You will be fully reimbursed if you change your mind within 14 days as long as you do not file a claim.

Have an existing PetFirst policy? Write a review to help other pet owners.

The sale of insurance represents a contract between the insurance provider, who carries the risk your pet will need treatment and you, who is responsible for paying insurance premiums. This contract typically carries an expiration date of one year from the effective (start) date unless you choose to renew the policy.
Each insurance provider offers different financing options, including whether you pay your pet insurance premiums on a monthly, quarterly, semi-annual, or annual basis.
Some insurance providers apply a payment transaction fee to your insurance premiums, but this fee can sometimes be waived if you choose the annual payment option.
The age at which your pet is first eligible to be insured.
If the insurance underwriter approves, your pet’s insurance coverage may be transferred when you transfer pet ownership by agreement or law.
Your pet must reside with you at the primary address you list for your insurance provider. It is your responsibility to notify the insurance provider of any change in address.
Geographical regions where incurred expenses will be covered by the insurance provider.
Rather than paying for your pet's treatment up front, you can submit a form to your insurer that approves the vet-recommended treatment and allows the vet to be paid directly by the insurer.

When should you consider insurance for your pet?

The sooner the better, as earlier consideration will also help prevent future exclusions due to pre-existing conditions. In other words, you should consider pet insurance before injuries, diseases, or illnesses arise to ensure that any future veterinary bills will be covered by your chosen plan.

Ideally, you should consider pet insurance within the first six months of adopting your pet - regardless of whether you adopt from a shelter, rescue, or breeder.

Customer Service

If you have questions about a claim or you need help with your existing policy, PetFirst’s team of friendly customer care representatives are available to help you. You can write a letter, reach out on social media, email or call.

Hours of availability for the company's sales department.
Email address of the company's sales department.
Phone number of the company's sales department.
Hours of availability for the company's veterinary services department.
Email address of the company's veterinary services department.
Phone number of the company's veterinary services department.

Discount Opportunities

A discount is applied when a policyholder insures two (2) or more pets or companion animals. This discount is applied to each additional pet insured in a plan.

What's Covered

PetFirst pet insurance provides great dog insurance and cat health insurance coverage with no lifetime or per-incident limits on accidents, hospitalizations, alternative therapies, medications and much more.

After a 12-month wait period, your pet also enjoys coverage for cruciate ligaments and Intervertebral Disc Disease.

However, PetFirst does not cover pre-existing conditions (no insurance provider does), elective procedures, conditions related to breeding, routine wellness nor preventative care.

List of treatment and conditions covered by PetFirst Pet Insurance plans


Use Any Vet

Because expenses are reimbursed by the insurance provider after treatment, you can use any vet with these plans.



Coverage includes chemotherapy and radiation treatment.

Breed-Specific Conditions

Genetic conditions common to specific breeds, often called breed-specific conditions. Examples: elbow and hip dysplasia, diabetes, upper respiratory infections, and thyroid disease.
Conditions the pet is born with, even if symptoms don’t show for some time. Examples: heart disease, nervous system issues, cataracts, and liver disease.
Condition that requires ongoing care.
A disease that affects an animal's hip joint.
Knee Injury


Intravenous (IV) Fluids and Medications
Medical Supplies (bandages, casts, and splints)
MRI Scans
CT Scans
Blood Tests
Exam Fees for a Covered Occurrence


Dental Coverage for Tooth Extractions
Dental Coverage for Illness-Related Cleaning
Dental Coverage for Periodontal Disease
Dental Coverage for Deciduous Teeth, Cysts, Enamel, and Unerupted Issues.

Alternative Therapies

The use of therapeutic exercises and other healing modalities to help pets recover from health conditions resulting from illness, trauma, or surgery.
The insertion of small needles to cause a desired healing effect.
Hydrotherapy involves the use of water to aid in the healing and/or conditioning of a patient. Pets either swim in a pool or tank for prescribed periods of time, or walk on an underwater treadmill.
Chiropractic adjustments include spinal manipulation and/or manual therapy.
A system of health care that concentrates on care of the whole animal by methods that are specific, gentle, and sympathetic to the body’s needs. Homeopathy is based on the utilization of specially prepared, refined dilutions of natural substances intended to trigger a healing response in a patient.
Naturopathy is a system of treatment of disease that avoids drugs and surgery, and emphasizes the use of natural agents (air, water, and herbs) and physical means (tissue manipulation and electrotherapy).

Exam Fees

Exams or consultations affiliated with a covered insurance condition, such as accident or illness, not preventive.

Vet Labor

Costs for the veterinarian's time consulting and overseeing your pet's treatment.

Prescribed Foods + Medication

Prescription medications are approved by your vet for the treatment of your pet's ailment.
Food scientifically formulated to meet the covered condition of your pet. Veterinarians must recommend the food for it to be covered by insurance.
Foods prescribed by your veterinarian for general health maintenance or prevention.


Stem Cell Therapy
Laser therapy is a noninvasive procedure that uses light to stimulate cell regeneration and increase blood circulation. It can treat acute and chronic injuries, sprains and strains, arthritis, swelling, and muscular-skeletal abnormalities. It also helps to regenerate nerve tissue after surgery.
Reimbursements for advertising costs for a lost pet.
Reimbursements for offering a reward for a lost pet.
If your pet requires lifesaving medical treatment, the provider will pay for unrecoverable travel and accommodation expenses while you are on travel or within a week from your travel date.
Covers the costs of having your pet put to sleep if your veterinarian recommends the procedure.
The provider will pay for cremation or burial expenses should your pet die from an eligible condition.
Breeding, Pregnancy, Whelping or Nursing
Complications from Breeding, Pregnancy, Whelping, or Nursing

Behavioral Issues

A systematic approach to changing behavior, including a pet’s reaction to a situation, a person, an object, or an animal.
Costs and payments related to obedience or training classes, including puppy classes.
Costs and payments related to training for behavioral disorders.
Covers legal defense and damages associated with your pet's third-party health liability. This coverage is in excess of other insurance that may cover the same things and would cover costs associated with your dog biting another human.
Covers legal defense and damages associated with your pet's third-party property liability. This coverage is in excess of other insurance that may cover the same things and would cover costs associated with your dog biting another dog or causing damage to someone else's furniture, for example.


Supplements For Covered Conditions

Supplements prescribed or dispensed by a veterinarian to treat a covered condition.

*Veterinarians use Pawlicy Advisor to streamline the pet insurance conversation. There’s simply too many variables for any one person to truly understand what’s covered and what’s cost-effective across the hundreds of policy variations that exist.

What's Not Covered

PetFirst doesn’t cover grooming costs, organ transplants, injury arising from commercial guarding, racing or organizing fighting of your pet. They also do not cover the removal of deciduous teeth and illnesses transmitted by parasites such as fleas and ticks.

As mentioned above, PetFirst does not cover pre-existing conditions or certain preventive care unless included as an addon service.

For a full list of exclusions, please see PetFirst List of Exclusions.

Claims Reimbursement

What information do you need to submit your claim?

  • Completed and duly signed claim form
  • Itemized invoice from the incident
  • SOAP (Veterinary Medical Records) noted from the incident

How long might it take for your claim to be reimbursed?

PetFirst aims to get your claim processed within 10-14 days from the date when they receive your claim.

How do I submit a claim?

To submit your claim, the following information is needed:

You may file a claim via the MyPets Online Account, emailing, faxing 877-281-3348, or mailing PetFirst's Claims Department at 400 Missouri Ave, Suite 105, Jeffersonville, IN 47130. The steps you need to take include: (1) complete and sign a claim form, (2) get veterinary medical records (SOAP notes) from the incident, and (3) get an itemized invoice from the incident. If your pet is less than 12 months of age, get all vet visit medical records. If your pet is older than 12 months (not adopted) pinclude the past 12 months of medical records at least. If you adopted our pet, include your adoption records.
You may file for reimbursement from your insurance provider for treatment and covered services that occurred within this number of days.
Insurance providers work hard to process your insurance claims as quickly as possible. The amount of time it takes to process a claim varies by provider.
Typical The longest amount of time it takes the insurance provider to process a claim.

Cancellation Information

You can cancel your policy at any time. However, you must send it in writing or by filling a cancel form. Call PetFirst on 866.937.7387 and select option 4 to cancel your pet insurance plan.

You may cancel this policy at any time. PetFirst will return unearned premium paid to to you within thirty (30) days of receipt of the request for cancellation or the effective date of cancellation, whichever is later. Cancellation requests you make within thirty (30) days of the effective date, provided no claim has been made, will be refunded.

PetFirst has continuous coverage over the lifetime of a pet so long as a pet owner does not fail to pay the premium, facts haven't been misrepresented, and the pet owner has not committed fraud.

Pre-existing conditions

Pre-existing conditions are not covered by PetFirst Pet Insurance. However, they don’t exclude you from being eligible for pet insurance. Pets with pre-existing conditions should still be covered in case other injuries or illnesses arise.

The specific language used to describe what is considered a pre-existing condition is specified per-policy. Below is PetFirst Pet Insurance latest definition:

Any illness, condition requiring medical treatment or injury affecting your pet that manifests, whether diagnosed or treated, prior to the inception date of this policy. Also, coverage for treatment of leukemia for cats may be made effective after you provide documentation of a negative FeLV test and proper vaccination from a veterinarian.

Compare PetFirst Pet Insurance To Other Top Providers

If you'd like to see how PetFirst Pet Insurance stacks up against other top providers, we've made it easy. Take a look at the links below:

PetFirst Healthcare, LLC is the program administrator authorized to underwrite and administer pet health insurance policies and claims on behalf of New Hampshire Insurance Company (NHIC), The Insurance Company of the State of Pennsylvania (ISOP) or Independence American Insurance Company a Delaware insurance company in approved states. For a complete listing of approved states, please contact PetFirst Healthcare, LLC.

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