PetFirst Pet Insurance Review
120 Customer Comments & Reviews - see all comments
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PetFirst Healthcare LLC is a pet insurance company that was founded in 2004 and based in Jeffersonville, Indiana. It offers accident and illness coverage for cats and dogs and operates in all 50 states.
The company offers discounts for those with multiple pets, and allows you to choose any vet you like without pre-approval.
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Customer Comments
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If it was possible to give them a zero star rating, I would have done so. I have been with Petfirst for 11 years, since my dog was a puppy. Over the last 5 years, she had to have 2 cruciate ligament repairs which cost us over $6,000 out of pocket. These were not pre-existing conditions but when I submitted claims, I was denied and I was treated very rudely when I called to contest the denial. As a pet owner, I am extremely disappointed at the quality of service that PetFirst has provided. Not only did PetFirst not properly communicate that my policy coverage had changed over the years, they also did not treat me well at all after a decade of loyalty. This month, I received and email... Read More
149 People found this helpful.
This company is a complete joke. I adopted my pet on 7/1/18. The vet notes from the adoption agency do not state anything about a pre-existing condition, even though he had been monitored for 2 weeks prior to adoption and "no health concerns were observed." Cut to his first vet visit on 7/13/18 where the new vet notes state he has had diarrhea since adoption. Diarrhea is now considered a pre-existing condition and not one vet visit or med is being covered by this company when the vet notes say my pet has diarrhea! Customer service won't budge on this, and it takes two business days to talk with a supervisor. Yes, I did try the 30 day free trial, but since then I have been paying nearly... Read More
113 People found this helpful.
Beware! Unlike most other pet insurance companies who offer a per year deductible, this company charges per incident or diagnosis. You could end up having to meet multiple deductibles per year depending on the health of your pet. Very disappointed.
102 People found this helpful.
I believe this company is a real scam. We have two dogs and have been paying $50 a month for nine years. Very few claims have we ever gotten anything back on. When my dog needed ACL surgery nothing was covered and it was about $5000. Recently turned in claims for total of about $400 and nothing was covered. I would never recommend anyone using this company. My vet said he could not believe they turned down our surgery claim as it is not an unusual procedure, but I am sure that is exactly why it is not covered as they are trying to save money and not pay out on needed procedures that are expensive.
99 People found this helpful.
They were terrible. Kept my premium even after I cancelled because my form was lost in an email. I called and let them know the day my dog died. They even sent a sympathy card. But guess that isn't good enough for them. They decided that my business wasn't needed so they wouldn't even contact me. Aparently the billing department doesn't accept calls.
What was so surprising was that I have been a customer for over 8 years and it was good at the begining.
Pet insurance is a great think. Just be sure and shop around.
98 People found this helpful.
Do not use this company. Denied our first claim. For pre existing issue. Our 10 month old puppy had no pre existing issue. This company is a scam. You are better served throwing money out the window. Supposed to make you feel like your doing a good thing for your pet. Instead your wondering if they will even cover your pet. Just like most insurance they really don't want to take care of your pet. PetFirst is a joke that scams you out of money.
1 star, because you cant give zero stars.
92 People found this helpful.
Misleading - Lifetime policy is only good when they renew it. DO NOT USE THIS GROUP - they take your premiums, increasing them year after year advertising you have a LIFETIME limit and the first time my dog had a claim when he was 7, after I'd spent thousands of dollars on premiums, my policy was not renewed. So the Lifetime was only until I had one claim for less than $300 - I had a balance of $4,750 Lifetime left. They also LIED when they sold me the policy saying how great it would be to have a Sr pet with a Lifetime balance. Bank what you'd pay monthly and finance your own pet care. They are unethical and do not care about the health of your pet or your customer loyalty if they... Read More
63 People found this helpful.
Horrible! I have three PetFirst Insurance policies- for my dog and two cats- and I submitted a claim for less than $500 after the 90 deadline to submit claims because I had a devastating situation. A faulty furnace caused major smoke damage to my house that destroyed most of my belongings and required me to have the items I was able to salvage professionally cleaned by a variety of companies who specialize in smoke damage. When I explained the situation to Petfirst I was told it was illegal for them to reimburse me. PetFirst told me that the insurance laws in CT (where I live) prevented them from doing so legally. I told them that this information was incorrect. I had another half a... Read More
44 People found this helpful.
My pup developed kennel cough after I adopted her on a Sat. eve. The pamphlet that I received upon adoption stated that they were closed until Mon morning so I was not able to activate at time of adoption. I called Monday morning to activate the policy. On Tuesday I noticed a hacking cough so I made an appt for the following day. My claim was denied. No explanation. I had to call to talk to a rep and was told it was because it was considered a pre-existing condition. Appeals and arguing are not worth it... Petfirst would have only paid out $62 anyway - but, in the end, they lost a possible long time customer and much more than the $62 they would have paid out. I'm glad that I had the free... Read More
40 People found this helpful.
Denied claim on dog who had been continually insured with them for two years because they restarted the waiting period for the dog when I added a new dog to the policy and they gave us a new policy number.
37 People found this helpful.
Our Partner
- PetFirst is partnered with the Humane Society
- Short waiting period before coverage begins
- Hereditary, congenital & chronic conditions
- No exam required
- Coverage for exam fees
