The pet insurance industry began in Sweden nearly a century ago, but it’s taken a while for Americans to catch on to the trend.
It wasn’t until 1982 that the first pet insurance policy was sold in North America to the canine star who portrayed Lassie on television.
Today, though, getting a policy for your pooch is less of a novelty. By the end of 2017, there were over 2 million pets insured in the US.
Part of that recent surge in the pet insurance industry has been fueled by newer companies like PetFirst.
PetFirst Pet Insurance
Founded in 2004 and based in Jeffersonville, Indiana, PetFirst Healthcare LLC offers accident and illness coverage for cats and dogs, which is available in all 50 states.
The insurer has earned some of the better reviews in the industry thanks to a relatively simple application process, a short waiting period before coverage begins, and fairly generous policies.
PetFirst Reviews and Customer Service
PetFirst is a very well-reviewed veterinary health insurer. We gave PetFirst pet insurance a score of 4.8 out of 5, indicating “excellent” coverage. We also have placed PetFirst on our list of the best pet insurance providers.
PetFirst has been accredited by the Better Business Bureau since 2006, and currently boasts a perfect A+ BBB Rating. The insurer does have an average of just one out of five stars from BBB customer reviews, though that number is based on only 17 reviews.
PetFirst Company Contact Information
- Homepage URL: https://www.petfirst.com/
- Company Phone: (866) 937-7387
- Headquarters Address: One Quartermaster Court, Jeffersonville, IN 47130
- Simple Application Process
- Accident & Illness Coverage for Cats & Dogs
- A+ BBB Rating
PetFirst Pet Insurance Plans
Although PetFirst only insures dogs and cats, not offering policies for birds and exotic animals as some other providers do, the company does offer quite generous and comprehensive coverage for felines and canines of all ages.
Petfirst has a particularly painless and lenient enrollment process when compared to other companies.
In addition to having no upper age limit on lifetime policies, PetFirst does not require a vet exam. Accident coverage begins at midnight on the day you enroll in a policy, and illness kicks in 14 days after, with no fee if you choose to cancel during that two-week period.
Dog and Puppy Pet Insurance
Available for as low as $15 per month, PetFirst’s dog insurance allows policyholders to take their pup to any licensed vet, emergency clinic or specialist in the US, then send a claim in and have it settled in less than two weeks.
There is no waiting period for coverage of hip dysplasia, patella luxations, or orthopedic conditions. The company also offers a wellness plan as an additional rider.
Cat and Kitten Pet Insurance
Available for as low as $9 a month, PetFirst’s cat and kitten insurance is more or less identical to its policies for dogs.
There is no network of providers to work around, claims are processed in two weeks or less, and there is no age limit, although cats that are 11 years or older are considered senior and will cost more to insure.
PetFirst Pet Insurance Application Process
To get a free online quote from PetFirst, simply go to the company’s website and fill out a form that includes your pet’s species, sex, name, age, color, and breed. You will also be asked to provide your zip code and email address before proceeding to the next page, which allows you to select any discounts which may apply to you.
After submitting those answers, you will be taken to a page that will present you with quotes for three different coverage options which vary in price and annual benefit.
Customize Your PetFirst Policy
At this stage, you will also have the option of customizing a policy, allowing you to decide on an annual benefit (your choices being $2,000, $5,000 or $10,000), a deductible ($50, $100, $250, or $500), reimbursement amount (70%, 80%, or 90%), and routine care benefit ($150, $325, $500, $650, or none at all).
As you adjust these inputs, your monthly premium estimate will change accordingly. Once you’ve crafted a policy you are comfortable with, you can move on to checkout.
- Flexible Policy Options
- Free Online Quotes
- Available Discounts
PetFirst Pet Insurance Discounts
Insurance companies love to dazzle customers with a series of discounts. Life insurance providers often hand out savings as a reward for healthy behavior, and providers that offer multiple lines of insurance will usually reduce costs for customers who bundle two or more types of coverage, such as home and auto.
The practice is less common in the pet insurance industry, since most pet insurers are still operating in a relatively niche market and do not have other types of insurance to bundle.
However, PetFirst does offer quite a few different discounts, which are presented to potential policyholders during the application process.
Pet Insurance Internet Discount
A one-time $10 to $20 discount on the first month of premiums offered exclusively to pet parents who purchase their pet health insurance policy online. This discount varies in amount depending on state approvals, and is not available at all in Alaska.
Multiple Pet Insurance Policies Discount
For families with multiple pets, PetFirst offers a 5% discount on a second pet insurance policy, and a 10% discount on the third policy and beyond.
This discount is automatically applied in the quote process, so when getting a quote, it’s best to start with the animal that will likely be cheapest to insure. Keep in mind that cats usually cost less to insure than dogs, and younger animals are less expensive to insure than older animals.
PetFirst honors the sacrifice military members have made by offering those who are currently serving our country or have previously served our country with a 5% discount on cat and dog insurance plans. The discount is not available in Tennessee and New York.
Animal Care Employee Discount
A 10% discount on all dog or cat insurance plans is available to any veterinary or animal welfare employee, such as a vet clinic or animal rescue organization and shelter worker. The discount is not available in Hawaii and Maryland.
Corporate Employee Member Discount
A 5% to 10% pet insurance premium discount for employer or member groups that have signed up to provide PetFirst pet insurance as a voluntary benefit for employees. This discount is not available in Alaska, Hawaii, Maryland, Oregon, and Tennessee.*While we make every effort to keep our site updated, please be aware that "timely" information on this page, such as quote estimates, or pertinent details about companies, may only be accurate as of its last edit day. Huntley Wealth & Insurance Services and its representatives do not give legal or tax advice. Please consult your own legal or tax adviser.