PetFirst Pet Insurance Review

Here’s our PetFirst Pet Insurance review to help you decide if it is the right choice for you. Click to discover its pros & cons, features, coverage, owners, locations, accepted vets, and more.


Do you want to provide your pet with the best healthcare? Are you worried about the financial burdens of growing vet bills? PetFirst Pet Insurance offers a wide range of plans that meet any budget. A recent survey by APPA disclosed that more than 85 million American families own a pet and the number keeps on rising. People now have access to the latest information and market trends about pet insurance which influence their decision-making. That’s why in this blog, we will discuss the pros and cons, plans, pricing, and reviews of PetFirst Pet Insurance.

What is PetFirst Pet Insurance?

PetFirst actually became a MetLife company back in 2020, so while some people may still refer to the company as PetFirst, it is now officially MetLife Pet Insurance.

PetFirst Pet Insurance company is a comprehensive pet health insurance plan designed to provide coverage for dogs and cats of all ages, including seniors. With PetFirst, pet owners can get reimbursed for unexpected veterinary bills like treatments for illnesses, injuries, or medications. You can customize your deductible and reimbursement rates depending on the level of coverage you need.

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PetFirst’s features include a mobile app with 24/7 telehealth concierge chat, coverage for injuries, illnesses, pet meds, and more. You can get up to 90% of your bill reimbursed depending on the plan you choose.

“Our pet insurance plans for dogs and cats can help reimburse you for unexpected vet bills. We can provide insurance for pets of all ages — even seniors — and you can customize your deductible and reimbursement rates so they work best for your pet’s needs and your budget.”

Some other great benefits of PetFirst are that you can insure multiple pets on a single policy, any licensed vet in the U.S is accepted, no previous vet records or initial exam for enrollment (making it easy to enroll), and claims are processed within 14 days – making it hassle-free. PetFirst was even awarded as the 2022 Best Pet Insurance Winner! All of these factors make PetFirst one of the best pet insurance companies out there.

Petfirst pet insurance coverage – What do they cover?

PetFirst Pet Insurance covers accidents, illnesses (including hereditary, congenital, and chronic conditions), hospitalizations, surgeries, diagnostic tests & exams fees, X-rays & ultrasounds, medications, holistic care & alternative therapies, emergency care, and much more. Optional Preventive Care coverage is also available for an additional cost.

petfirst pet insurance coverage

However, Pre existing conditions are not covered, and this includes conditions, illnesses, injuries or symptoms present prior to policy inception. PetFirst also does not cover elective procedures, expression or removal of anal glands or anal sacculitis, breeding or conditions related to breeding, vitamins & mineral supplements, grooming costs & bathing, illness/injury from racing, coursing, commercial guarding or organized fighting, and organ transplants.

Pet food and special diet costs are also not covered unless you have the optional Preventive Care coverage. 

How does PetFirst Pet Insurance work?

PetFirst makes pet insurance easy and convenient. All you need to do is take your dog or cat to the vet – any licensed vet, emergency clinic, or specialist in the US is covered. Then, simply send PetFirst your claim which should include a bill paid to the vet, the invoice, and medical records. PetFirst works quickly to process those claims and get you your money back, usually in less than two weeks.

how pet insurance works

How much is PetFirst Pet Insurance?

PetFirst Pet Insurance offers a range of plans and coverage options, so the cost of pet insurance will vary depending on the breed, age, and gender. Additionally, the cost of coverage will vary depending on your location (zip code) and policy reimbursement options. Generally speaking, the dogs and cats insurance plans start at $24 per month for basic coverage and can go up to $115 per month based on your chosen plan, species, and any additional add-ons. 

Who owns PetFirst Pet Insurance?

PetFirst Pet Insurance is owned by MetLife Pet Insurance. Brent Hinton and Lansdon Robbins founded PetFirst in 2004 and it became a MetLife company in 2020. Who imagined that a small concept created by two men almost 20 years ago would become a leader in pet insurance? MetLife’s established infrastructure and strong reputation in the insurance industry have further cemented PetFirst as a leader in pet insurance.

Where are they based?

PetFirst Pet Insurance is based in One Quartermaster Court, Jeffersonville, Indiana. Established in 2004, PetFirst has served thousands of pet parents with the peace of mind that comes from knowing their furry family members are protected.

How long has PetFirst Pet Insurance been around?

PetFirst Pet Insurance has been around since 2004. Founded by Lansdon Robbins and Brent Hinton, the company initially started out in Jeffersonville, Indiana, and has since grown to become one of the larger pet insurance providers on the market with their collaboration with MetLife.

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PetFirst Pet Insurance offers a wide range of plans that meet any budget

Advantages of PetFirst Pet Insurance

PetFirst Pet Insurance offers a wide range of plans that meet any budget, making it an attractive option for animal owners who want to reduce the burden of rising vet bills and provide the best healthcare for their beloved pets. Here are some of the advantages of PetFirst Pet Insurance plans:

●    Affordable coverage; plans that are tailored to any budget, which makes them an attractive choice for animal caregivers.

●    Comprehensive coverage; it offers comprehensive coverage that covers accidents, illnesses, preventive care, and more.

●    PetFirst processes claims in as little as two weeks with fast reimbursement.

●    Great customer service; 24/7 customer support and dedicated personalized accounts managers.

●    PetFirst Pet Insurance is accepted by any vet in the US and includes nationwide coverage.

●    No age limits; never put any age limit on pet insurance, perfect for elderly animals.

●    Get a discount for each additional pet you insure with PetFirst Multi-pet discounts.

●    Customers can receive a $25 discount on their deductible each year.

●    Rewards program; discounts, deals, and rewards point to save money on your best bud essentials.

●    Get access to expert advice on any pet-related issue, anytime, day or night through the 24/7 pet helpline.

●    Backed by MetLife; animal moms & dads rest assured by the financial strength of this respected insurer.

●    Routine care coverage is optional; offers additional add-ons for preventive checkups, vaccinations, and more.

“MetLife Pet Insurance offers the flexibility to select various levels of coverage with no breed exclusions or upper age limits. We also offer innovative, industry-leading benefits, and competitive rates with discounts.”

Disadvantages of PetFirst Pet Insurance

As with any insurance product, there are potential drawbacks to PetFirst Pet Insurance:

●    No pre-existing condition coverage; if your pet has a medical condition before enrolling in the policy, it will not be covered.

●    Acupuncture, Chiropractic Care, or other Alternative Treatments are not covered.

●    Some loss or injury events are also excluded; behavioral & congenital issues, allergies, etc.

●    Deductibles are on a per-incident basis; the deductible will have to be paid for each happening in case of multiple injuries.

●    Poor customer reviews on rating sites, such as 1.7 stars on Trustpilot and 2.5 stars on Yelp.

Verdict – Is PetFirst good Pet Insurance?

PetFirst is a good pet insurance provider that offers budget-friendly protection, all-inclusive insurance, swift remuneration, superior customer support, the admittance of any veterinary in the US, no age restrictions with multi-pet reductions, $25 deduction off an annual deductible, an incentive plan, all-day pet counseling line, and optional regular care coverage. However, PetFirst does not provide pre-existing ailment protection, insurance for nonconventional treatments, incident deductibles per instance, and unfavorable user reviews on rating platforms. Overall, the advantages of PetFirst outweigh its disadvantages, making it a good pet insurance provider that offers comprehensive coverage at an affordable price


A small brand PetFirst inaugurated in 2004 never contemplated it would develop to become one of the larger pet insurance providers countrywide. PetFirst, now running in collaboration with the reputed insurer MetLife, offers several plan options and low-priced schemes for more than half of America’s devoted pet owners. However, to conclude whether PetFirst is right for you or not, you must weigh up the pros and cons and do your own research. Ultimately, pet insurance is not for everyone and you need to do what is right for you and your family.

You may also be interested to read our other Pet Insurance reviews:

Embrace Pet Insurance Review

Pet Assure Review: Better Than Pet Insurance?

Woolworths Pet Insurance Review; Is It Worth It?

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