PetFirst Pet Insurance - Pet InsurancePet Insurance
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Compare Pet Insurance Plans

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Any pre-existing conditions?

Pet insurance won't cover costs for any condition that your pet showed signs of before the start date of the policy. (Medical records or a vet exam might be required to establish your pet's health). But, pet insurance will cover new conditions and accidents. Also, all the pet insurance plans here will cover conditions that your pet might have been born with but haven't showed up yet. These are called hereditary or congenital conditions. So it's still important to get covered!

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PetFirst Pet Insurance

PetFirst offers plans that are simple and easy to understand and can be customized to meet your budget and pet’s needs. Offering a variety of custom plans and coverage, PetFirst is sure to provide a great plan for any budget and pet health needs.


Insurance Underwriter: American Alternative Insurance Corporation (AAIC)
A.M. Best Rating: A+ (Superior)
Customizable Plans: yes
Deductible Type: per incident
Maximum Payout per Incident: Lifetime Plan- unlimited; Standard Plan options-$1,000 or $1,500
Maximum Payout per Year: Lifetime Plan- unlimited; Standard Plan options-$1,000 for accidents and $1,000 for incidents or $7,500
Maximum Lifetime Payout: unlimited
Reimbursement Based Upon: Actual veterinary bill or UCR
Waiting Period: Illnesses- 14 days; accidents and routine care coverage 12:00 am following enrollment; Intervertebral Disk Disease – 6 months (standard plans), 12 months (lifetime plans)
Lifetime Coverage Available: yes
Wellness & Routine Care Coverage Available: yes
Alternative Therapies Coverage Available: yes
Behavioral Treatment Coverage Available: limited coverage
Discounts Available: Insuring multiple pets and paying annually (rather than monthly)
These features may vary by state. 

Plan Details

◦   PetFirst is the only pet insurance provider to offer family plans where up to 3 pets under the age of 10 can share the policy coverage.
◦   Senior pets can be insured on all plans.
◦   Lifetime plans offer coverage for life for conditions your pet develops while on plan (with some exclusions).
◦   There is no lifetime maximum payout limit on any of their plans.
◦   Customers can use any licensed vet, emergency clinic, or specialist nationwide.
◦   Plans cover vet exams (excluding exam for routine-only visits where coverage is available by adding on routine coverage).
◦   Most plans offer custom deductibles, aggregate limits, and reimbursement options to fit your pet’s needs and your monthly budget.
◦   Standard plans provide coverage for accidents & illnesses and lifetime plans provide more coverage.

Standard Accident and Illness Plans
PetFirst offers two levels of standard accident and illness coverage

Standard 1000 Plan, a mid-range, affordable plan which provides:
◦    Coverage for accidents and illnesses
◦    All ages are eligible
◦    Per-incident limit – $1,000
◦    Annual limit – $1,000 for accident and $1,000 or illness

Standard 1500 Plan, a more comprehensive pet insurance plan which offers:
◦    Coverage for accidents and illnesses
◦    All ages are eligible
◦    Per-incident limit – $1,500
◦    Annual limit – $7,500

Lifetime Accident and Illness Plans
PetFirst offers comprehensive pet insurance plans that cover the lifetime of your cat or dog. These plans are also flexible and are offered at three levels:

Lifetime 5000 Plan is their most popular plan. It is an affordable basic plan which includes:
◦    Accident and illness coverage
◦    All ages are eligible
◦    No per-incident limit
◦   Annual limit – $5,000
◦   Hereditary, chronic, and congenital coverage
◦   Periodontal disease coverage
◦   Lifelong coverage guarantee

Lifetime 10,000 Plan, a yearly renewable plan that includes:
◦    Accident and illness coverage
◦    All ages are eligible
◦    No per-incident limit
◦   Annual limit – $10,000
◦   Hereditary, chronic, and congenital coverage
◦   Periodontal disease coverage
◦   Lifelong coverage guarantee

Routine Care & Additional Coverage

PetFirst also offers additional coverage which can be added to any plans. Additional coverage options are custom and include:

◦    Routine care to cover annual exams, vaccines, flea/tick prevention, heartworm prevention, microchipping, behavior training and more
◦    Prescription food coverage
◦    Hereditary and chronic coverage for long-term conditions such as arthritis, diabetes and cancer, along with coverage for hereditary and congenital conditions
◦    Breeder’s coverage  for emergency C-sections, infections, eclampsia, and mastitis as it relates to breeding

Find out which pet insurance plan is right for you and your pet and receive a free quote by completing the form at the top of the page.