Pet First Insurance Review 2023: How It Works | Legit Or Scam

Pets’ health care can be very expensive. This is why it’s important to get a pet health insurance policy to aid the medical bills when the need arises. Many of these insurance policies are out there, but we’d focus our lenses on Petfirst insurance.

According to the ASPCA’s National Rehoming Survey, pet problems are the most common reason that owners rehome their pet, accounting for 47% of rehomed dogs and 42% of rehomed cats.  

They defined pet problems as problematic behaviors, aggressive behaviors, and pets growing larger than expected.

While there are other issues, as shown above, there’s also the prevalent issue of health challenges.

This is where insurance comes in handy, in this case, Pet First Insurance. With Insurance, you may not necessarily spend so much to care for your pet’s health.

Therefore, we’d be looking holistically at Pet first Insurance reviews. These reviews will help you, our reader, to make the best decision while choosing an insurance company to buy Pet health insurance from.

Before we proceed, kindly look at our table of content for what to expect.

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What Is Insurance?

According to, Insurance is a contract, represented by a policy, in which an individual or entity receives financial protection or reimbursement against losses from an insurance company.

The company pools clients’ risks to make payments more affordable for the insured.

Insurance policies are used to hedge against the risk of big and small financial losses that may result from damage to the insured or her property or liability for damage or injury caused to a third party.

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About Pet First Insurance

PetFirst is a pet insurance company founded in 2004 and bought by MetLife in 2020. Independence American Insurance Company underwrites PetFirst’s insurance plans, which PetFirst Healthcare administers.

What is Pet First Insurance

PetFirst Pet Insurance, like some other carriers, covers your pet for accidents and injuries. You may set a deductible, the amount you’ll pay out of pocket each year before the insurance kicks in. It is also the percentage of veterinarian expenditures the insurance will cover and an annual maximum amount of money you’ll be reimbursed.

Smaller premiums are often associated with higher deductibles, lower yearly maximums, and lower payment percentages. PetFirst and other carriers don’t usually cover pre-existing conditions that your pet had when you bought the insurance.

In most cases, you must pay your veterinarian’s office upfront when your animal is treated, and you will be reimbursed afterward. As your pet grows older, your premium will usually increase.

Most pet insurance plans don’t cover general wellness procedures like regular veterinary visits, immunizations, or spaying and neutering. PetFirst is one of them.

However, the firm does offer wellness riders, which allow you to pay more on your plan in exchange for coverage for these services up to a set amount per year. Check to see what’s covered and how it relates to the services your pet is likely to utilize.

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How Much Is PetFirst Insurance?

Like many other insurance companies, there’s no fixed price for Petfirst insurance. However. We will try to give you an idea of what to expect.

If you choose a $5,000 annual benefit maximum, a $500 deductible, and a 90% reimbursement rate, PetFirst Pet insurance costs $23.19 for a one-year-old female large mixed-breed dog in the Dallas suburbs. You’d pay $12.35 for a male domestic shorthair cat under one year with the same level of coverage.

With PetFirst, you can choose your deductible, reimbursement limit, and annual maximum to lower your premium. According to the company, your premium will certainly increase as your pet gets older, as care becomes more expensive on average.

There are additional reductions for folks who have many insured dogs and those who work in veterinary offices.

As previously mentioned, you can add wellness riders to your plan to cover normal care for your pet, such as routine office visits, immunizations, spaying and neutering, and dental cleanings.

These are optional paid add-ons to regular plans, which normally do not cover such services for your pet.

You will be charged an additional monthly fee if you pay your PetFirst insurance premium monthly rather than annually.

Optional Features for PetFirst Pet Insurance

The Routine Care Rider is a PetFirst wellness rider that covers vaccines, frequent vet visits, and spaying and neutering up to a set sum each year. Several options are available for this, so choose the one that is best for you.

PetFirst’s dog and cat insurance policies can also be customized by selecting an annual deductible, an annual coverage limit, and the percentage of each claim the firm will cover. Wellness riders can also be added to your plan.

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Pros and Cons of Pet Insurance

According to, the following are the pros and cons of Petfirst Insurance:


  • PetFirst deductibles generally go down $25 for each year that you don’t file a claim.
  • Unlike some pet insurance providers, you can sign up for full coverage with PetFirst at any point in your pet’s life.
  • PetFirst offers discounts if you’re insuring multiple pets.


  • PetFirst charges a $3 monthly fee if you pay monthly rather than annually.
  • PetFirst has an extended waiting period for hip dysplasia, so if the condition shows up in the first six months you have coverage, it will be deemed pre-existing.
  • Your premium will generally increase as your pet gets older

Is Petfirst Insurance Worth It?

The answer to this question is yes. Unlike some other insurance companies, Petfirst fulfills its promises and pays claims where necessary.

What stands out for me is that they do not make claims of things they can’t fulfill. Additionally, they offer excellent customer service.

Is PetFirst Insurance Review Legit Or Scam

While Petfirst may not offer anything new in the industry, except maybe for their excellent customer service, Petfirst Insurance is a legit insurance company!.

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How can I sign up to first insurance?

You can sign up for pet first pet insurance by simply signing up.

Does pet first offer a wellness plan?

Yes, they offer a wellness plan called Routine Care Coverage.

How can i contact pet first insurance?

Petfirst insurance can be contacted through phone, email, live chat, website, face or postal mail.

How can i get the cancellation form?

Get the cancellation form from the customer support.

Does petfirst have a limit?

Yes, Petfirst has an annual limit that they pay out to customers.

Does pet insurance cover pet costs?

Yes, they do. However, you’re responsible for the cost related to veterinary care up to that amount.

How long is the wait period?

Yes, they have a waiting period of 14 days. You won’t be covered if your pet needs care within this period after registration.

How to file your claim and how long doe it take to receive check?

After visiting the vet, you can file your claims through email, fax, or postal mail.
It can take 10 to 14 days to get your check.


If you have read this post to this point, I believe you would have learned a lot about Petfirst insurance, if not all.

Feel free to drop a comment below if you have any.



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