General InformationHow Much Does It Cost?Good Information To KnowCustomer ServiceDiscount OpportunitiesWhat's CoveredWellness AddonsClaims ReimbursementCancellation InformationPre-existing conditions

PetFirst Pet Insurance Information

PetFirst Pet Insurance logo
PetFirst is one of the fastest-growing pet health insurance administrators in North America. They've helped thousands of families purchase insurance coverage to pay for their pets’ veterinary care. The company is proud to partner with shelters and rescues nationwide to encourage adoption and keep pets healthy and happy.
General Information
How Much Does It Cost?

General Information

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 after 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.
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Good Information To Know

Customer Service

Discount Opportunities

What's Covered

Premier Plan

Use Any Vet

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


The plan covers infections, cancers and other illnesses that are typically not genetic.


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.


Dental Coverage for Tooth Extractions
Dental Coverage for Illness-Related Cleaning

Alternative Therapies

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.


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

Prescribed Foods + Medication

Prescription medications are approved by your vet for the treatment of your pet's ailment.


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.

What's Not Covered

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

Claims Reimbursement

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.

Cancellation Information

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

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.
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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