PetFirst Insurance Reviews

Our Final Grade


petfirst insurance reviews

How Our Ratings Work

What’s Covered

  • Accidents, Illnesses, & Cancer
  • Hereditary, Congenital, & Chronic Conditions
  • Diagnostics, X-Rays, & Ultrasounds
  • Surgery & Hospitalization
  • Exam Fees and Medications
  • Emergency & Specialty Care
  • Holistic Care

Vet-Verified PetFirst Reviews

Updated 4/26/17 by Dr. Pippa Elliot

Our vet team’s PetFirst reviews evaluate the Lifetime 5000, Lifetime 10,000, and Lifetime 20,000 plans. All three offer the same comprehensive coverage. The only difference is their annual payout limits: $5,000, $10,000, and $20,000 respectively.

PetFirst Highlights

  • Full coverage for senior pets
  • Shortest waiting periods
  • Reimburses veterinary exam fees
  • No initial vet exam required to enroll

Features of PetFirst Coverage

Like many of the best pet insurances, PetFirst covers genetic conditions, such as hip dysplasia. What sets PetFirst apart is senior pet coverage, short waiting periods, and reimbursement for vet exam fees, medication, and holistic care.

Exam Fee Reimbursement

Pet insurance rarely pays for exam fees. Vet exams range from $50 to $150 for your regular vet, and up to $300 for veterinary specialists. If your pet sees the vet often, Petfirst provides you significant cost savings.

Medication Coverage

Some companies exclude prescription coverage, but PetFirst pays for medications. Like exam fees, if your pet takes medication regularly, PetFirst insurance will save you money.

Covers Older Pets

While researching PetFirst reviews, our vets love that PetFirst has no age exclusions. Even your senior pet receives full medical coverage. This is huge benefit if you’re enrolling your pet later in life, since some insurances have upper age limits.

Holistic Care Included

Holistic care is included in all three Lifetime plans, at no extra cost to you. Many other policies only offer alternative treatment coverage for an additional fee or optional rider.

Short Waiting Period

Unlike other insurers, PetFirst has no additional waiting period for hip dysplasia or patellar luxations. In fact, PetFirst has the shortest waiting periods for accidents and illnesses!

PetFirst Insurance Details

When you compare pet insurance, it’s important to read the fine print. All three Lifetime policies are straightforward, so there’s no confusion about coverage when your pet needs medical care.


Choose 70%, 80%, or 90% reimbursement. PetFirst reimburses you based on your actual vet bill, not according to a benefit schedule. This means that you’ll be reimbursed either 70%, 80%, or 90% of what you actually paid (after your deductible is met).


Annual limits are based on the plan you choose: $5,000, $10,000, or $20,000. This is the maximum amount PetFirst will reimburse you per policy year.

PetFirst has no lifetime limits and no per-incident limits.


PetFirst has a per-incident deductible, and you choose the amount: $50, $100, $250, or $500. With per-incidents deductibles, you only have to pay one deductible per incident, even if the incident happens again.

For example, if your dog has a recurring ear infection, you only pay a deductible for the first treatment. Thereafter, PetFirst pays you back the full reimbursement percentage of the amount you paid at the vet.

Waiting Period

PetFirst has the shortest waiting period for accidents and illnesses! Pet insurance rarely covers genetic conditions like hip dysplasia within the first year of enrollment. But PetFirst covers it after only 14 days.

  • Accidents: 1 day
  • Illnesses: 14 days
  • Hip dysplasia: 14 days
  • Patellar luxations: 14 days
  • Cruciate ligaments: 1 year
  • Intervertebral discs: 1 year


Like all pet insurance companies, PetFirst does not cover pre-existing conditions. Also, puppies and kittens must be at least 8 weeks old in order to receive coverage.

Routine Wellness from PetFirst

Proper pet care includes preventative exams and treatments. Most pet insurances don’t cover routine care, but PetFirst offers wellness insurance options that you can add to your policy.

PetFirst’s routine coverage is offered at three different annual benefit levels, $125, $250, or $400, to reimburse you for:

  • Routine vet exams
  • Vaccinations
  • Flea and heartworm prevention
  • Microchipping
  • Behavior training
  • Spay or neuter
  • Teeth cleaning
  • Routine health screens

If you’re considering PetFirst’s routine care riders, keep in mind that there are reimbursement maximums for each of the treatments listed. For example, the $250 routine care benefit will reimburse you up to $50 per year for vaccinations:

Routine Coverage $125 $250 $400
Routine vet exams $15 $25 $35
Vaccinations $25 $50 $75
Flea/heartworm & microchip $50 $60 $100
Behavior training $35 $50 $75
Spay/neuter & teeth cleaning $50 $100
Routine screens $15 $15

PetFirst Insurance
Paws Up
Shortest accident & illness waiting period
Reimburses veterinary exam fees
Paws Down
No unlimited annual coverage option
$37 per month*
Great for senior pets!


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