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PetFirst Pet Insurance (2020 Review)

PetFirst Pet Insurance has been in business since 2004, and has developed one of the most comprehensive pet insurance plans on the market. With varying annual benefit options, there is a plan to fit any budget.

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According to many third-party review sites like Google and Trustpilot, PetFirst has many satisfied customers that cannot sing enough praise about the customer service and claim experience. PetFirst is also quick to address any dissatisfied customers, and has a customer service outreach team to answer any questions or remedy complaints.

PetFirst also makes purchasing a plan easy with no initial exam or veterinary records required in order to obtain coverage. They also have the shortest waiting period in the industry, with accident coverage beginning at midnight following the purchase of a policy, and illness coverage is available 14 days later.


Comprehensive Coverage With Multiple Benefit Options

PetFirst provides one of the most comprehensive insurance plans for dogs, and allows dog owners to choose their annual benefit limit, deductible and reimbursement. This allows customers to stay within their budget, but still receive the same great coverage, regardless of what they choose. With no lifetime limit on their plan, you can be sure your dog will be protected as it ages.

PetFirst’s plan covers accidents and illnesses, including hereditary, congenital and chronic conditions, as well as exam fees and prescriptions. Plus, you get coverage for hip dysplasia, holistic or alternative therapy, and experimental and investigational treatments.

No Gotcha’s In The Fine Print

Many insurance companies include contingencies to keep coverage or additional exclusions in the fine print of their terms and conditions, but PetFirst isn’t one of them. With PetFirst, you don’t have to worry about time restrictions on when you seek treatment for your dog, annual care requirements in order to keep coverage, or a requirement to neuter or spay your dog by a certain age.

With PetFirst, you can be sure you will receive coverage for cruciate ligaments, bilateral conditions, periodontal disease, vaccinatable diseases, orthopedic conditions, dermatological conditions, more than one foreign body ingestion per year, injuries caused by housemates, as well as aging pet ear and eye conditions.

PetFirst provides a comprehensive guide on why the fine print in your pet insurance plan matters.

Routine Care Options

PetFirst allows customer to add-on routine wellness coverage with benefits for annual exams, vaccinations, flea/tick/heartworm prevention, behavior training, spay/neuter, teeth cleaning, health screens and other routine panels.

These routine care options can offset some of the annual veterinary expenses you know you are going to incur. PetFirst provides the option of three benefit options for routine wellness: $125, $250 and $400.


No Coverage For Pre-Existing Conditions

As with all pet insurance companies, PetFirst doesn’t cover pre-existing conditions. This means it won’t cover any issues your dog has or medications your dog needs before you apply for coverage or before your coverage goes into effect.

Per-Incident Deductible

PetFirst plans only offer a per-incident deductible, which means the deductible is applied for each incident that requires veterinary care. So, if your dog has three different issues in one policy year, you are required to pay the deductible for each of those incidents. However, if one of those issues requires several follow up appointments, you are only required to meet the deductible once for that issue.

PetFirst’s comprehensive plan gives you peace of mind knowing you can afford veterinary care for your dog, no matter what happens. This plan provides reimbursement for the following conditions and medical services:

  • Accidents
  • Illnesses
  • Hereditary Conditions
  • Congenital Conditions
  • Chronic Conditions
  • Hospitalizations
  • Surgeries
  • Diagnostic tests
  • Exam Fees
  • X-Rays
  • Ultrasounds
  • Medications
  • Holistic Care
  • Alternative Therapy
  • Emergency Care
  • Hip Dysplasia
  • Cruciate Ligaments
  • Bilateral Conditions
  • Periodontal Disease
  • Vaccinatable Diseases
  • Orthopedic Conditions
  • Dermatological Conditions
  • Foreign Body Ingestions
  • Aging Ear & Eye Conditions
  • Experimental & Investigational Treatments

Annual benefit options include: $1,000; $2,000; $5,000; $10,000 and $20,000. You can choose your deductible with options of $50, $100, $250, and $500. You’ll be responsible for paying this deductible before PetFirst is able to reimburse for veterinary expenses. Additionally, you can choose your reimbursement amount of 70%, 80% or 90%. 

Conclusion: PetFirst Review

There is a reason animal welfare organizations, retailers and pet product companies choose to partner with PetFirst Pet Insurance. They have a broad coverage plan and offer quick reimbursement, and are passionate about the health and well-being of pets.

With an A+ rating from the Better Business Bureau, a 4.5 star rating on Google, and an 8.6 rating on TrustPilot, PetFirst is a great choice for your dog’s insurance.

I suggest getting a free online quote from PetFirst if you’re looking at dog insurance.

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Paul is an entrepreneur and marketer for the pet industry who works out of Chicago. He teaches people how to break free of the 9-to-5 grind by blogging for a living. Currently, Paul runs the HerePup along with the team of dedicated experts – so you know he has the knowledge to help you make the right choice.

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