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Petfirst Pet Insurance Review

Are you looking to invest in the best pet insurance company to ensure your pet’s health?

Having a pet can be costly—especially when they get sick or are in an accident. Vet fees, diagnostic tests, and medicine bills can quickly pile up and burn a hole in your pocket.

This is why investing in pet insurance is a wise decision.

There are various pet insurance companies on the market, but not all of them are the best choice for you.

In this blog post, we will review the Petfirst Pet Insurance company in detail and help you determine whether or not investing in a policy from this company is the right decision for you.

So, without further ado, let’s begin, shall we?

Let’s get started.

A Quick Introduction: Petfirst Pet Insurance Company

Petfirst Pet Insurance Company is one of the best pet insurance companies available to choose from. This company was founded by two friends in Indiana in 2004 when one of the partners shelled out $3000 to care for a sick dog who had to be put down in 2003.

The aim was to help others pay for sudden and unexpected pet health care expenses.

Petfirst Healthcare LLC is one of the fastest growing pet insurance companies in North America.

The company offers a solution for every family and bring to you the best policies available on the market.

PetFirst Insurance Plan Options

Petfirst Insurance offers a plan called Lifetime which is an accident and illness plan. The company’s website showcases three basic prepackaged plans which include:

  • Lifetime 5,000
  • Lifetime 10,000
  • Lifetime 20,000

So, basically, the company offers annual claim limits of $5,000, $10,000, and $20,000.

You can customize the plan of your choice according to your needs when you ask for a quote on the website as it defaults to a selection of options with a middle-level choice and doesn’t choose the most or least expensive options.

You can purchase the plans via:

  • Internet Purchase
  • Animal Care Employee (Vet Clinic or Animal Welfare Organization)
  • Corporate Employer Group Member
  • Military Member

The company offers various discounts for each of these categories and adding an additional pet can also save you more money!

Other than that, the company offers a 14-Day Money Back Guarantee which is a little more than a buyer’s remorse clause as the company has a 14-day waiting period for illness claims.

So, it can be hard to assess the quality of a product in only two weeks.

Things You Must Know Before Investing in Petfirst Pet Insurance

In this section of the blog, we will go through a few things that you must know before you invest in a policy from Petfirst.

Take a look.

Waiting Period

The company requires a 14-day waiting period for illnesses but, the accident coverage begins one day after you register for the insurance, which is excellent. The company offers a 12-month waiting period for disc disease and cruciate ligaments.

There is no additional waiting period for patella luxations, hip dysplasia, and other orthopedic conditions.


You have the choice to visit any licensed veterinarian in the United States when insured with Petfirst. However, you must keep in mind that Petfirst doesn’t offer coverage for your pet if you’re travelling outside the U.S.


Take a look at the PetFirst exclusions:

  • Behavioral training
  • Orthodontics, endodontics and removal of deciduous teeth
  • Parasite prevention, parasite treatment and illnesses transmitted by parasites
  • Breeding and conditions related to breeding
  • Pet food, special diet, vitamins, mineral supplements
  • Pre-existing conditions
  • Elective Procedures such as ear cropping, tail docking & declawing

All routine wellness checkups, neutering or spaying, removal and preventive treatments of fleas/lice/heartworm, and vaccinations are excluded unless you have opted for an optional add-on rider.

Also, routine dental cleanings are also not covered. However, the company does cover the treatment of periodontal disease.


The company gives options for per incident deductible amounts of $50, $100, $250, $500. Petfirst also offers reimbursement levels of 70%, 80%, and 90% which are up to you.

Limits or Payouts

This pet insurance company doesn’t have any no per-incident or per-lifetime limits. But, they do have annual limits of $2,000 and $5,000 which depend on the plan that you get.

It takes PetFirst between 10 to 15 days to process a claim once you’ve submitted it and the reimbursement checks usually arrive via main within 10 business days after your claim has been successfully processed.


This insurance company provides discounts for owners of multiple pets—which is highly appreciated. You can save an average of 30% when you enroll your pets in a family plan—this is something most insurers don’t offer.

Other than that, you have the choice to add three different routine care packages to your coverage if necessary which cover exams, vaccinations, training, and microchipping.

Summing Up: Petfirst Pet Insurance Review

Petfirst pet insurance is one of the best pet insurance companies to choose from. This company is an excellent choice for people that have multiple pets because it provides discounted family plans that save you hundreds of dollars.

Other than that, the company has an excellent reputation and has an excellent and fair reimbursement policy.

But it always…

Important to understand that while Figo is a great pet insurance company, they are jsut one of several that you will want to consider.  For more information on who we feel currently offers the “best” pet insurance policies out there, we would encourage you to check out our Best Pet Insurance Policies article.

Do you have questions? If so, leave them in the comments, and we’ll get back to you soon.


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