Pet First Pet Insurance Review

(Last Updated On: April 17, 2021)

Pet First celebrated its 10th anniversary in 2014 as they reaffirmed their commitment to bringing pet owners high quality, affordable pet insurance. Their number one focus is to provide you with peace of mind with financial and emotional value. Licensed veterinary technicians review your claims as your pet gets proper care without your wallet suffering.

Coverage Plans

When you first get started, all you have to do is enter some information about your pet. Sounds easy, right? But when it comes time to pick your plan, it’s important to know exactly what you’re getting.

Standard Accident and Illness

This standard plan is for general coverage of injury and illness. You’ll get 12 months of protection for anything from burns, cuts, and ear infections, to allergies and stomach upsets.

Standard $1000

More specifically, you can get the Standard $1000 plan to cover that much in illness or accidents within a year. Deductibles are as low as $50-$100 with reimbursement options of 80 and 90%.

Standard $1500

The $1500 plan is similar to the $1000 plan, but this plan covers as much as $7500 total and $1500 per incident. You can even get advertising and reward funds in the event of a missing pet.

Lifetime Accident and Illness

You’ll get the same benefits from the standard plan here, plus coverage for long term care conditions like diabetes, arthritis, and cancer. There’s even coverage for chronic, breed specific, congenital conditions, and hip dysplasia. There are three levels of this plan that reset every year, so your pet is covered for the rest of their life.

Lifetime $5000, $10,000, or $20,000

As long as your pet is over 8 weeks old, they’re eligible for this coverage. You can get $5000 per year with reimbursement options of 70, 80, and 90%. Deductibles go from $50, $100, $250, and $500. You’ll get the same coverage as the $5000 plan with higher priced plans, but each year, your annual limit will be $10,000 or $20,000 depending on the plan you choose.

Routine Care

This is one of three optional plans you can choose from to add to your current plan. Routine care will include checkups, vaccines, behavior training, and dental care.

Prescription Food

Some pets need to meet specific dietary needs, and if yours needs to, this is a great option to add. This includes prescription dog food, cat food, vitamins, and supplements.


It’s a little rare for some pet insurance companies to support breeding, but this add-on plan does just that. Emergency c-sections, pregnancy, delivery related infections, or eclampsia are all covered.

What Isn’t Covered?

A few things aren’t covered under Pet First however. Any sort of pre-existing conditions are not covered, so even though the company covers chronic issues, they won’t cover them if your pet already has them. General wellness coverage like prevention and dental are only covered with add-ons too, and pregnancy coverage is quite limited. No pet will be covered before they are 8 weeks old either.

How To File a Claim with Pet First

Filing a claim is actually really easy; there’s even a checklist to help you out! Start with the claim form. Fill it out completely, meaning you’ve got to sign and date it, get your vet to fill out the medical diagnosis, and have the vet provide their contact information.

The first time, you’ll need to have 12 months of medical records with doctor’s notes before the incident. New claims that aren’t the first still need all medical records related to the claim.

Newly adopted pets need the adoption paperwork as well. Then you attach itemized invoices and receipts before you email or fax it. As long as you submit within 90 days of the incident, it should be processed just fine.

Pros of Signing Up With Pet First

Why should you choose Pet First? Well, one of the best features is the flexible, customizable policies. You can choose from multiple options that all provide comprehensive care while adding on riders to increase coverage. The only thing you really need to do is consider your budget.

You’ll even get care for hereditary, congenital, and chronic coverage for life, which usually aren’t covered in most plans. There aren’t limits on senior pet coverage either like some companies. No matter how old your pet is, you can be sure they’re cared for.

In terms of pricing, exam fees are included as well, so Pet First will reimburse you if you happen to end up at an emergency clinic, specialist, or with follow-up visits. Sure, this isn’t super critical, but fees can add up over time. On top of all of this, there are lots of discounts available for coverage, with $20 off your first premium.

Positive and Negative Reviews

Lots of people love Pet First just because of how extensive their plans are. They have lots of coverage options with no cap on the coverage per incident. No matter what happens, you can rest easy that your pet is safe and cared for. Compared to other pet insurance providers, these plans are cheaper and more affordable too. Customers even comment on the great service, since they’ll email or text you before coverage lapses.

There are some things you should be aware of however. You need to wait 14 days for any sort of coverage, and not every condition will be covered either. Some people even wish that there was an explanation for why claims are denied so they could do better next time. On top of this, there’s not a huge distinction between illness an injury, and no great option for contact other than phone calls.

Conclusion: Final Verdict

Should you go with Pet First Insurance? It depends a lot on what type of coverage you want and how much you’ll end up needing. Your pet’s health comes first of course, and with this insurance, you can be sure they’re covered without breaking the bank. Be aware of claim issues and the waiting period, but otherwise, it’s certainly a great option.

Also check out my Embrace Pet Insurance review

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