PetFirst Pet Insurance Reviews, Costs & Coverage

PetFirst Pet Insurance


PetFirst has been in business for over 12 years and understands the importance of helping pet parents pay for unexpected veterinary care. PetFirst was founded by Brent Hinton and Lansdon Robbins after Brent had to put his dog down following an injury. It was from this tragedy that Brent and Lansdon decided they wanted to help alleviate financial worries as much as possible when it came to veterinary care. In just over a decade, they have quickly become the fastest growing pet insurance company in the country, and are completely dedicated to helping pet owners keep their beloved furry friends healthy as long as can be. PetFirst helps provide the financial assistance many pet owners need in emergency situations and they also provide discounts for families with multiple insured pets

What They Cover

PetFirst offers top-quality, comprehensive policies that cover just what any pet owner would hope for, such emergency care, accidents, illness, injuries, image tests, surgery, prescriptions, hospitalizations, and alternative treatments. PetFirst has created policies to suit almost any need by pet owners.

What They Don’t Cover

As with any pet insurance company, there are a few things that PetFirst doesn’t cover, namely:

  • Pre-existing conditions
  • Spaying and neutering
  • Elective procedures such as tail docking, skin folds, declaws and nail trims.
Plan Coverage Options

PetFirst also does a great job of offering policies that are extremely affordable for any budget with deductibles as low as $50 per incident, but also up to $500 if you’re wanting to adjust the monthly premium. They offer reimbursement rates from 70% - 90% and limits from $2,000 up to $10,000. They also have some of the shortest wait times with accident coverage starting only one day after the policy starts. Just be aware that the plan deductible with Pet First is on a per-incident basis, which means that you’ll be paying the deductible every time you visit the vet for a different condition. If you only visit your vet once per year though, this can be a very competitive plan to choose.

  • $50
  • $100
  • $250
  • $500
  • 70%
  • 80%
  • 90%
Policy Limits
  • $2,000
  • $5,000
  • $10,000
Policy Coverages
Deductible Type Per Incident
Deductible Options $50 - $500
Reimbursement Options 70% - 90%
Policy Limit Options $2,000 - $10,000
Lifetime limits Unlimited
Wellness Cover Cost $9-$24 per month
Accidents & Illnesses
Vet Exam Fees
Rx Medications
Emergency Visits
Cancer Treatments
Outpatient Care
Alternative Therapies
Waiting Periods
For Most States:
Accidents: 3 days
Illnesses: 14 days
Cruciate Ligament Conditions: 6 months
Routine Care: 0 days
Deleware, Louisiana, Maine, Mississippi, Nebraska,

New Hampshire, & Washington:

Accidents: 0 days
Illnesses: 14 days
Cruciate Ligament Conditions: 30 days
Routine Care: 0 days
Compare Pet Insurance
How much will I get back from PetFirst?

As mentioned, PetFirst has great choices of options for coverage, and here are 3 examples of how much you’ll get back for a covered condition:


Example 1

Your pup has a torn ACL and needs surgery to repair it. The operation cost plus medicine afterward will run just over $8,300. You chose a policy with a $100 deductible and a 90% reimbursement rate, so you will get back $7,370.

$7,370 Total Back

Example 2

Your cat has an allergic reaction to the new food you give her and can’t keep food or water down for three days. You take her to the vet and she needs her stomach pumped along with overnight observation from dehydration. The total cost comes $6,890. With a $50 deductible and 70% reimbursement, you will get back $4,773.

$4,773 Total Back

Example 3

Your beloved dog is diagnosed with every pet owner’s worst nightmare: cancer. His has developed from a tumor near his liver and will require surgery, a round of chemotherapy, and radiation pills. The total comes to $9,760, but after a $250 deductible and a 90% reimbursement, you can expect to get back $8,559.

$8,559 Total Back
How much does PetFirst insurance cost?

Well as you may imagine, the cost of pet insurance depends on a few key variables: the breed of your pet, their age, and where you live. After that, it’s down to you how much coverage you want, how big (or small) a deductible you want to pay and how much of a reimbursement (the amount you get back after the deductible is paid) you select.

To see all of PetFirst’s plan options, click here to compare pet insurance plans, but here are a couple of examples:

Breed: Australian Shephard
Age: 3 years
Zip code: 80204
$10,000 coverage
$100 Deductible
80% Reimbursement
Plan Cost $24.18 Per Month
Breed: Black Lab
Age: 4 years
Zip code: 55103
$10,000 coverage
$250 Deductible
90% Reimbursement
Plan Cost $30.54 Per Month

What do pet owners say about PetFirst?

Very Good
5 star
68% Complete (success)
4 star
24% Complete (success)
3 star
5% Complete (success)
2 star
0% Complete (success)
1 star
3% Complete (success)

In terms of reviews, customers love that PetFirst shows how much they really care about owners and their pets. The high level of customer service is commonly cited in customer reviews. With an average review score of .6/5, see reviews from PetFirst customers below.

Policy is awesome and the people!

I’ve never had a bad experience with Petfirst! I would tell anyone to sign with them!

Idaho, Goldador
Never worry about a scam, Petfirst is great.

My girlfriend and I got a cat after we moved in together and I thought a cat would be easy. Surprisingly, he’s needed more vet visits than I expected, but the shelter had recommended insurance. I found Ptefirst and they’ve handled things so far!

Washington, Maine Coon cat
Very glad I thought to get insurance.

For the most part my dog has been relatively disease and injury free but she did sprain and cut her paw a while back, needed a vet visit, meds and the cone. Since she hadn’t cost much so far I was shocked to get the vet bill. It was close to a thousand dollars after the numerous visits, xrays, and other meds to make sure the cut didn’t get worse. As a new grad I couldn’t afford the bill. That was whem I was really glad Petfirst was behind me. They fulfilled the claim and helped calm me down and got the money to me within a couple weeks

Kentucky, Boxer
They called to check on my dog!

I called to make a claim after my dog was hit by a car and needed extensive emergency help, Petfrst helped calm me daown, reimbursed me, and even called a few week s later to see how my dog’s recovery was going!! That made me feel like they really care for the best of an animal.

Alabama, Basset Hound
Covered almost the whole bill!

My dog Kiera was attacked by another dog and got badly bitten/cut to the point of needing stitches. It was my friend’s new dog she had ust rescued so I didn’t want to make her pay as she felt bad enough that Kiera got hurt, so thankfully Petfirst helped me with the invoice and covered the majority! Such a big help.

Michigan, German Shephard
See how PetFirst compares
Bonus Points

If you’re in the market for a company that has your pet’s best interest at heart, then you will definitely be happy with PetFirst because they always make sure that keeping pets healthy is their number one goal. Although they started from tragic beginnings, PetFirst has used that as motivation to help other dog and cat owners so they too don’t have to decide between their pet’s health and their wallet. Founders Brent and Lansdon have built a reliable company that offers affordable coverage for virtually anything you could hope for.