PetFirst has been in business for over 12 years and understands the importance of helping pet parents pay for unexpected veterinary care. PetFirst was founded by Brent Hinton and Lansdon Robbins after Brent had to put his dog down following an injury. It was from this tragedy that Brent and Lansdon decided they wanted to help alleviate financial worries as much as possible when it came to veterinary care. In just over a decade, they have quickly become the fastest growing pet insurance company in the country, and are completely dedicated to helping pet owners keep their beloved furry friends healthy as long as can be. PetFirst helps provide the financial assistance many pet owners need in emergency situations and they also provide discounts for families with multiple insured pets
PetFirst offers top-quality, comprehensive policies that cover just what any pet owner would hope for, such emergency care, accidents, illness, injuries, image tests, surgery, prescriptions, hospitalizations, and alternative treatments. PetFirst has created policies to suit almost any need by pet owners.
As with any pet insurance company, there are a few things that PetFirst doesn’t cover, namely:
PetFirst also does a great job of offering policies that are extremely affordable for any budget with deductibles as low as $50 per incident, but also up to $500 if you’re wanting to adjust the monthly premium. They offer reimbursement rates from 70% - 90% and limits from $2,000 up to $10,000. They also have some of the shortest wait times with accident coverage starting only one day after the policy starts. Just be aware that the plan deductible with Pet First is on a per-incident basis, which means that you’ll be paying the deductible every time you visit the vet for a different condition. If you only visit your vet once per year though, this can be a very competitive plan to choose.
| Policy Coverages | |
|---|---|
| Deductible Type | Per Incident |
| Deductible Options | $50 - $500 |
| Reimbursement Options | 70% - 90% |
| Policy Limit Options | $2,000 - $10,000 |
| Lifetime limits | Unlimited |
| Wellness Cover Cost | $9-$24 per month |
| Accidents & Illnesses |  |
| Vet Exam Fees | |
| Rx Medications | |
| Emergency Visits | |
| Hospitalization | |
| Surgery | |
| Cancer Treatments | |
| Specialists | |
| Outpatient Care | |
| Alternative Therapies | |
| Waiting Periods | |
| For Most States: | |
| Accidents: | 3 days |
| Illnesses: | 14 days |
| Cruciate Ligament Conditions: | 6 months |
| Routine Care: | 0 days |
| Deleware, Louisiana, Maine, Mississippi, Nebraska, New Hampshire, & Washington: |
|
| Accidents: | 0 days |
| Illnesses: | 14 days |
| Cruciate Ligament Conditions: | 30 days |
| Routine Care: | 0 days |
As mentioned, PetFirst has great choices of options for coverage, and here are 3 examples of how much you’ll get back for a covered condition:
Your pup has a torn ACL and needs surgery to repair it. The operation cost plus medicine afterward will run just over $8,300. You chose a policy with a $100 deductible and a 90% reimbursement rate, so you will get back $7,370.
Your cat has an allergic reaction to the new food you give her and can’t keep food or water down for three days. You take her to the vet and she needs her stomach pumped along with overnight observation from dehydration. The total cost comes $6,890. With a $50 deductible and 70% reimbursement, you will get back $4,773.
Your beloved dog is diagnosed with every pet owner’s worst nightmare: cancer. His has developed from a tumor near his liver and will require surgery, a round of chemotherapy, and radiation pills. The total comes to $9,760, but after a $250 deductible and a 90% reimbursement, you can expect to get back $8,559.
Well as you may imagine, the cost of pet insurance depends on a few key variables: the breed of your pet, their age, and where you live. After that, it’s down to you how much coverage you want, how big (or small) a deductible you want to pay and how much of a reimbursement (the amount you get back after the deductible is paid) you select.
To see all of PetFirst’s plan options, click here to compare pet insurance plans, but here are a couple of examples:
| Breed: Australian Shephard |
| Age: 3 years |
| Zip code: 80204 |
| $10,000 coverage |
| $100 Deductible |
| 80% Reimbursement |
| Breed: Black Lab |
| Age: 4 years |
| Zip code: 55103 |
| $10,000 coverage |
| $250 Deductible |
| 90% Reimbursement |
If you’re in the market for a company that has your pet’s best interest at heart, then you will definitely be happy with PetFirst because they always make sure that keeping pets healthy is their number one goal. Although they started from tragic beginnings, PetFirst has used that as motivation to help other dog and cat owners so they too don’t have to decide between their pet’s health and their wallet. Founders Brent and Lansdon have built a reliable company that offers affordable coverage for virtually anything you could hope for.
