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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.

How is PetFirst rated?

Breakdown

5.0/5
Coverage
5.0/5
Cost
4.5/5
Extras

Overall Rating: 4.8 / 5 (Excellent)

PetFirst offers an enrollment process that is easier than most. They do not require a vet exam, and accident coverage starts in 24 hours.

Additionally, the company has no upper age limit on enrollment, and no waiting periods for a few conditions many other providers outright just don't cover.

PetFirst also has a healthy pet discount for every year you don't make a claim. The upper tier plans, however, are on the pricier side, and the company does not offer unlimited coverage.

PetFirst Coverage

Coverage - 5 / 5

Petfirst offers accident and illness coverage that is pretty much industry standard for the price.

However, what sets them apart is they have no waiting periods for hip dysplasia, patella luxations or orthapedic conditions. The company also offers a wellness plan as an add on.
Pets Covered
Dogs
Cats
Coverage Types
Medical
Wellness
Vet Selection
Unrestricted
Out-of-State Coverage
Yes
Commercial Pets Covered

Medical Conditions Covered

  • Accidental
  • Illness
  • Hereditary
  • Congenital
  • Cancer
  • Chronic
  • Accidental Dental
  • Dental Illness

Medical Treatments Covered

  • Diagnostic Testing
  • Surgery
  • Hospitalization
  • Prescription Medications
  • Emergency Care
  • Specialty Care
  • Alternative Care
  • Behavioral Therapy

Benefit Limits

Benefit Limits - 4.5 / 5

Petfirst does not restrict you to per incident or per illness limits. However, the company does have annual limits. They let you choose $5,000, $10,000, and $20,000.

While the $5,000 limit plan has a monthly deductible in the average pet insurance range, the two higher limit plans get pricey.

In fact, there are unlimited plans we review that tend to cost less than Petfirst's $20,000 limit plan.
Benefit Limit Types
Annual
Annual Benefit Maximum
$20,000

Reimbursement & Deductibles

Reimbursement - 5 / 5

Petfirst gives you the option of setting your reimbursement at 70%, 80%, and 90%. This is a consistent feature of the best pet insurance providers.
Reimbursement Model
Actual Cost
Minimum Percent Reimbursement
70%
Maximum Percent Reimbursement
90%

Deductibles - 4.6 / 5

Petfirst offers flexible deductibles of $50, $100, $250, and $500. Not many other plans offer the option of such a low deductible.

Choosing it would translate into higher premiums, but it could be a valuable option if it fits your particular situation, i.e. you know you can afford to fit the monthly premium into your budget but are not sure you'd have the extra cash on hand to pay a higher deductible.
Deductible Type
Annual
Minimum Deductible Offered
$50
Maximum Deductible Offered
$500

Pricing: How much does PetFirst cost?

Cost - 5 / 5

Petfirst's lower annual limit plans offer pretty much average monthly deductibles when compared to similar plans.

However, their higher limit plans are on the pricier side.

Starting Monthly Premiums

Dog: Sample Monthly Premium, 1 year old male Golden Retriever in zip code 92683
$16.95
Cat: Sample Monthly Premium, 1 year old male American Shorthair in zip code 92683
$8.95
Rate Details: Annual Limit: $1,000, Per-Incident Deductible: $500, Reimbursement Rate: 70%
Available Discounts: $10 to $20 off for pet parents who purchase their pet health insurance policy online, 5% to 10% corporate employee member discount, 10% animal care employee discount,5% military discount

Enrollment & Waiting Periods

Enrollment - 5 / 5

Petfirst has a particularly painless and lenient enrollment process when compared to other companies. Firstly they do not require a vet exam.

Accident coverage begins midnight the day of enrollment and illness 14 days after. There is no fee to cancel.

And lastly, Petfirst is one of only a handful of companies that has no upper age limit. Cats and dogs of any age can be covered for life.
Min Enrollment Age
8 weeks
Illnesses Waiting Period
14 days
Free Look Period
30 days

Claims & Service

Extras - 4.5 / 5

Petfirst stands out two ways in the claims department, they offer healthy pet discounts every year you don't make a claim, and they do not increase your premium due to amount of claims made.

The claims procedure is the standard process of paying your vet bill up front, then submitting the claims form with all the relevant invoices and receipts.
Advertised Response Time
14 days
Claim Form
Mail
Email
Fax
Online Portal

Contact & Additional Information

Homepage URL
Headquarters Address
1 Quartermaster Ct, Jeffersonville, IN, 47130
Mailing Address
1 Quartermaster Ct, Jeffersonville, IN, 47130
Year Founded
2004

What We’re Hearing From Our Readers
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Customer Comments

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M
Melinda H

8/7/2015
We have had PetFirst for Years and our policy has remained in force the entire time. Recently, our dog developed further complications from an issue diagnosed a number of years ago (while he was covered). All of our current claims have been denied because his condition was considered chronic after the initial diagnosis. So if a problem comes up while you are covered they will call it chronic for future claims and deny future claims even though you were covered at the time of initial diagnosis.
1 People found this helpful.


crwood80

8/25/2022
I recommend PetFirst for all the positive reasons because I used the claims process. Not only has the PetFirst family been compassionate about our loss, they were and always have been helpful in filing a claim. I have had several claims processed in my dog's lifespan of 11 years. They have been prompt in reimbursement payments. They also would work with my budget from year to year. So I am very pleased with the company.
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lsarge66

6/30/2022
In the 4+ years that I've had this insurance policy, while I was happy to finally get to the end results, for my first time having to use it, everything it took to get to the end was a not a pleasant experience. From the amount of time it took for them to "process" the claim, to the lack of communication throughout the process, the claim process and turnaround time needs some work. I've spoken with other pet owners about several other insurance companies to to see if maybe this was just they way it is with most companies, and none have had to go through the lengthy process that we just did for a surgery that's a fairly common one among dogs. The editor's above statement that "A majority... Read More
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ciji378

6/6/2022
PetFirst Pet Insurance through Metlife has been one of the best choices I've made for my 2 year old British Shorthair cat named KJ. I have shopped around for several months and NOBODY beats their prices! They cover more services, too. I recommend everyone looking for good pet insurance to try them out. You will not be sorry.
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M
Mrs F

3/8/2022
Metlife won't pay me. Its been 8 months or more since the claim was approved. MetLife implemented a new payment system that did not work for me and they would not help me fix it. I asked for a check to be sent and it never arrived. A person in mngmt said they would help me find out what happened to the check or fix the payment link and she stopped communicating. I am out over $500 and no one at MetLife will find out what happened to the check and report back to me. I am so angry. My dog needs shots and I can't pay for them as my cr cd is still charging interest on the last vet visits. I am ready to report them to the ins commission of NY and TX. I think I've been extremely patient!... Read More
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D
Debra W

2/23/2022
I have been a customer for over 8 years. Filing claims are easy. Every claim I have filed has been processed quickly and efficiently. I received the money quickly after the claim is approved. I am entirely satisfied with this company.
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C
Candace B

1/16/2022
Claims are easy to make, and reimbursements are pretty quick. I was very grateful I had them when my kitty was having some skin issues and racked up a bunch of expenses quickly, many of which were covered by her insurance and I was able to get reimburesed. The peace of mind is worth it alone.
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Y
Yizel M

1/14/2022
The MetLife pet insurance customer service representatives are super helpful. I called for assistance with my pets’ insurance and the gentleman on the call made my first time speaking with Metlife’s customer service phone-line a great experience! Jeff Knox who was the representative on the call with me was super helpful, friendly, answered all of my questions and accommodated all of my needs as a pet insurance client. Jeff also showed interest in providing me a high-quality customer service call. He broke down different costs, premium and deductible options that would provide a good coverage for my kittens, but also best meet my budget.
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Y
Yizel M

1/14/2022
The MetLife pet insurance customer service representatives are super helpful. I called for assistance with my pets’ insurance and the gentleman on the call made my first time speaking with Metlife’s customer service phone-line a great experience! Jeff Knox who was the representative on the call with me was super helpful, friendly, answered all of my questions and accommodated all of my needs as a pet insurance client. Jeff also showed interest in providing me a high-quality customer service call. He broke down different costs, premium and deductible options that would provide a good coverage for my kittens, but also best meet my budget.
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gcrisostomo86

1/12/2022
My brother and I called to get more information about Pet insurance for our little one and we got the best assistance and guidance we could have ever asked for. Akil Brown was very attentive, informative, respectful and very sweet. Akil helped us come up with the best insurance plan that would benefit the health of our little guy. I cannot express how satisfied/happy my brother and I felt to have spoken to such a wonderful person. Hope there were more people like Akil in the world. I would give a higher rating if I could.
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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