Veterinary care can get expensive if you don’t have pet insurance.
An affordable pet policy can provide you with the financial support you need to protect your pets when it matters most.
One of the fastest-growing and most popular pet insurance companies, PetFirst promises to make insuring your pet hassle-free.
In the PetFirst insurance review below, we’ll assess that claim and evaluate the company’s policies and cost of coverage so you can determine whether or not it might be a good fit for you and your beloved pet.
Table of Contents:
- About PetFirst
- PetFirst Pet Insurance
- Waiting Period
- Pros & Cons
- Alternatives to PetFirst
PetFirst was founded in 2004 in Jeffersonville, Indiana, by two friends who wanted to give pet owners the financial tools needed to protect their pets in critical situations.
The company has seen rapid growth, insuring thousands of pets over the last two decades.
PetFirst’s policies are underwritten by Independence American Insurance Agency, who has an “A-” rating from A.M. Best.
This financial strength rating means that Independence American Insurance Agency and PetFirst are in excellent financial health and very likely to pay out claims to policyholders.
PetFirst is also BBB-accredited and was awarded a rating of “A+” from the Bureau for its outstanding business methods and communication with customers.
PetFirst’s love of animals extends beyond insurance, as the company regularly contributes to shelters and rescue initiatives and hosts pet adoption days across the country.
Based on all of the above, PetFirst is a company you can rely on to protect your pets, and one you can feel good about doing business with.
PetFirst Pet Insurance
PetFirst has a comprehensive accident and illness policy, and an optional wellness rider that adds coverage for routine care.
We’ll take a look at what conditions and expenses are included, as well as which ones are excluded below.
- Alternative/holistic therapy
- Diagnostic testing
- Emergency Care
- Exam fees
- Illnesses: Including chronic, congenital, and hereditary conditions
- Ultrasounds and X-ray imaging
What’s Not Covered
- Anal gland expression or removal
- Breeding related expenses
- Dental care: Orthodontics, endodontics, and deciduous tooth removal
- Elective procedures
- Grooming: Includes medicated baths
- Injuries from racing, organized fighting, etc
- Parasite treatment and prevention
- Pet food, vitamins, or supplements
- Pre-existing conditions
- Wellness care: The wellness rider must be purchased for routine/preventative care
Routine Care Rider
In addition to the basic coverage above, you can add a wellness rider to your policy which will cover additional costs.
The routine care rider covers the following routine care and preventative treatments:
- Behavioral training
- Flea and heartworm prevention
- Organ transplants
- Routine exams: Includes annual checkups, routine tests and screenings
- Teeth cleanings
PetFirst Waiting Periods
Common in the industry, PetFirst’s plans come with a waiting period which varies based on the condition.
Here’s a look at how long you’ll have to wait for coverage once your policy is in force:
- Accident coverage: 24 hours
- Illness coverage: 24 hours
- Cruciate conditions: 12 months
- Intervertebral Disc Disease: 12 months
While some of PetFirst’s injury coverage comes with a long waiting period, their accident coverage kicks in quicker than it does with most other providers.
PetFirst offers a few discounts and incentives to help you save on coverage.
Here’s a look at what discounts PetFirst offers:
- Animal care workers: Veterinarians, shelter workers, etc., receive a 10% discount on premiums.
- Multi-pet: Pet-owners who insure more than one cat or dog save an average of 30% on premiums.
- Payment: PetFirst also offers a $10 discount when you make your first payment online.
- Refer a friend: They also have a $25 referral program, so you can earn money by recommending friends.
PetFirst Pet Insurance Quotes
PetFirst offers several levels of accident and injury coverage.
What you pay for your pet plan will be based on:
- Maximum benefit amount
- The deductible you’re willing to pay
- Reimbursement amount (usually 70-90%)
- Your location, as some metropolitan cities are more costly
- Pet’s age, though all ages are accepted with PetFirst
Here’s a look at PetFirst’s three most popular plan options, which can be adjusted based on your preferences:
- Cost-Conscious: $2k maximum annual benefit, $250 deductible, 80% reimbursement
- Recommended: $5k maximum annual benefit, $250 deductible, 80% reimbursement
- Additional Coverage: $10k maximum annual benefit, $250 deductible, 80% reimbursement
Sample Quotes for a 1-year-old Labrador retriever in Dallas, TX:
- Cost-Conscious: $20.14
- Recommended: $28.40
- Additional Coverage: $40.18
Sample Quotes for a 1-year-old American shorthair cat in Greenville, SC:
- Cost-Conscious: $8.76
- Recommended: $11.54
- Additional Coverage: $7.89 (with 100% reimbursement)
Pros and Cons
There’s plenty to love about PetFirst, but it also comes with a few downsides.
Take a look at the pros and cons below.
- No Age Limits: If your furry friend is getting older, you can rest assured that you won’t be turned away for coverage from PetFirst.
- Wellness Care: Not all companies offer optional coverage for preventative treatment, which is an affordable add-on with PetFirst’s routine care rider.
- Claims: You can expect the claims process to take a couple of weeks, max, with many claims being settled even more quickly.
- Short Waiting Periods: While the waiting period is longer for some conditions, PetFirst’s accident and illness coverage come with shorter than average wait times.
- Maximum Benefits: PetFirst does not offer an option for unlimited annual benefits, meaning $10,000 of coverage is the most you can get in a year.
- No App: PetFirst does not have a mobile app, which could help to streamline claims filing and policy management.
- Cruciate Ligament Coverage: It takes an entire year for coverage to take effect for cruciate ligament conditions.
Alternatives to PetFirst
If you want to get the best pet insurance policy at the lowest rates, you should compare several companies.
Alternatives to PetFirst Pet Insurance:
Is PetFirst Pet Insurance for You?
PetFirst is a solid pick for pet health insurance, no matter how old your pet is.
With a plethora of conditions and treatments insured under its accident and illness coverage, you can count on PetFirst to provide the protection your pet deserves.
And if you want coverage that accounts for preventative care, PetFirst’s routine care rider is a major advantage.
But before you lock into a policy, take a minute to compare quotes. It could lead to major savings and connect you with the perfect provider for your situation.
PetFirst Pet Insurance
- A.M. Best: A-
- BBB: A+