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Pet Insurance Comparisons

See how PetFirst Pet Insurance coverage stacks up against competitors.

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Pet Insurance Comparisons

We’ve combed through the pet insurance plans our competitors are offering and show you a side-by-side comparison of the best pet insurance plans for dogs and cats.

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Pet Insurance Provider	ASPCA		Embrace	Figo	NationWide	Healthy Paws	Pet Plan	Pets Best	Trupanion
Covers All Breeds & Ages										All Ages and Breeds are Covered Under PetFirst PetFirst offers coverage for all pets, regardless of age or breed. Competitors often won't cover senior pets or high risk breeds.
Shortest Waiting Periods for Industry										PetFirst Has the Industry's Shortest Waiting Period Your pet's accident coverage begins at midnight EST following enrollment and illness coverage begins 14 days later.
Healthy Pet Discount										Healthy Pet Discount PetFirst is the only insurer to provide a healthy pet discount upon renewal if no accident or illness claims are submitted.
No Initial Exam/Past Vet Notes Required										No Initial Vet Exam is Required to Obtain Coverage from PetFirst PetFirst offers coverage for all pets, regardless of age or breed without a vet exam. Some competitors require a vet visit to receive coverage.
No Sign Up Fee										No Sign-up or Cancellation Fees PetFirst provides a 14-day money back guarantee and never charges a fee for sign-up or cancellation of your pets policy.
Hip Dysplasia (with no additional wait period)										Hip Dysplasia (No Wait Period) PetFirst offers chronic care coverage with no per-incident wait limits and does not require an additional wait period on hip dysplasia, patella luxations, or orthopedic conditions.
Aging Pet Ear & Eye Conditions
Bi-lateral Conditions
Vaccinatable Diseases
Hereditary
Prescription Coverage										Prescription Coverage
Injuries Caused by Housemates										Injuries Caused by Housemates
No Schedule of Benefits
No Diagnostic Test Limit										No Diagnostic Test Limit
No Customary Charge Restrictions
Congenital
Experimental & Investigational Treatments
More than One Foreign Body Ingestion										More than One Foreign Body Ingestion PetFirst covers unlimited foreign body ingestions.
Dermatological Conditions										Dermatological Conditions PetFirst offers chronic care coverage with no per-incident limits for issues like allergies, diabetes, cancer and orthopedic issues as long as there is not a lapse in coverage.
Routine Care Options										Routine Care Options PetFirst pet insurance offers exam fee coverage and the shortest waiting periods in the industry.
Orthopedics (with no wait period)										Orthopedics PetFirst offers plans with no additional wait period on hip dysplasia, patella luxations or orthapedic conditions.
Periodontal Disease										Periodontal Disease PetFirst offers pet insurance plans that cover periodontal disease.
Holistic/Alternative Therapy										Holistic/Alternative Therapy PetFirst provides reimbursement for holistic care and alternative therapies.
Cruciates										Cruciates Coverage Cruciates are covered after 12-months on your PetFirst pet insurance plan.
Chronic										Chronic Conditions PetFirst does not limit the benefit amount per year due to chronic ailments.
Exam Fee Coverage										Exam Fee Coverage PetFirst pet insurance provides reimbursement for exam fees.
No Per-Incident Limit										No Per-Incident Limit Per-incident limits are the highest amount a company will cover for a specific ailment. PetFirst offers chronic care coverage with no per-incident limits.
No Lifetime Limit										No Lifetime Limit Some companies restrict the benefit amount for your pet over its lifetime, PetFirst does not.
No Neuter/Spay Requirement										No Neuter/Spay Requirement PetFirst does not require the spay or neuter of your pet in order to obtain or maintain coverage.
No Annual Care Requirements to Keep Coverage										No Annual Care Requirements to Keep Coverage Unlike some competitors, PetFirst does not have any annual care requirements in order for your pets policy to remain active.
No Time Restrictions on Starting Treatment										No Additional Wait Periods for Your Pet PetFirst pet insurance doesn't require and additional wait period to start treatment for conditions such as hip dysplasia, patella luxations or orthopedic conditions.
Accident	midnight EST following activation	midnight EST following activation	2 days	5 days	14 days after approval	15 days	5 days	3 days	5 days
Illness	14 days	14 days	14 days	14 days	14 days after approval	15 days	15 days	14 days	30 days
No Cancellation Fee										No Sign-up or Cancellation Fees PetFirst provides a 14-day money back guarantee and never charges a fee for sign-up or cancellation of your pets policy.

Download Full Plan Comparison Chart

Shawn was awesome! Very informative and friendly! All around great first time experience!

Maynece Brooks

15:09 02 May 19

I've always had an easy time with PetFirst. The customer service is very compassionate. They continue to improve the claim submission process and it is more mobile friendly now.

Joanna Rossignol

16:18 05 Apr 19

When I first signed up with Pet First insurance I was a little nervous. You just never know how these companies will treat you when it actually comes time to use the coverage. I'm happy to say, Pet First has handled everyone of my claims as I had hoped, and as stated in my policy. They also covered veterinarians doctors who were holistic practitioners and prescribed natural supplements, which was important to me.

Mystic_Fool

14:51 05 Apr 19

We adopted our kitten from the local Humane Society. I am so glad we started PetFirst coverage and was surprised to discover we actually needed it. Though we had no major health concern; a few months after our kitten was home, she showed signs of allergies that were hard to pinpoint. This required several veterinarian visits and the expenses added up. We were pleasantly pleased that we have received two substantial checks in the mail from PetFirst. I am so glad I went with PetFirst and I highly recommend it. (These days, even minor health concerns can be expensive.)

C W

02:25 24 Mar 19

We adopted our kitten from the local Humane Society and PetFirst gave us one free month. I continued coverage and was surprised with how it came in handy. We had no major health concern; but, a month after our kitten was home, she showed signs of allergies that were hard to pinpoint. This required several veterinarian visits and the expenses added up. We were pleasantly surprised that we have received two substantial checks in the mail from PetFirst. I am so glad I continued with PetFirst and I highly recommend it. (These days, even minor health concerns can be expensive.)

C W

23:18 23 Mar 19

They have been great at helping when I needed it for my fur baby. He had cancer and had to have surgery. Now if any cancer comes back he is going to be taken care of by the insurance. Great piece of mind when you are heartbroken and worried about your furry love.

A Rose

15:29 19 Mar 19

Submitting a claim was easy and PetFirst Pet Insurance honored their part of our policy with prompt review and payment. We were completely satisfied! The whole process was much easier than I had anticipated and we could not more highly recommend PetFirst Insurance!

Loretta Rowe

20:01 25 Feb 19

Our dog had to have kidney dialysis, which was traumatic enough without the financial worry. He came through with flying colors--and so did PetFirst! Thank you. The settlement was fast and fair. We highly recommend them.

Maria Givan

15:52 19 Feb 19

David at PetFirst made the pet insurance process easy to understand and know what the expectations are for coverage. David was professional and patient as I asked many questions. I hope I never need the insurance but it gives me peace of mind to know that my pet has a covered thank you David!

JoAnna Polk

20:17 16 Feb 19

For some reason l could not get my claim to go thru with email. I called to see if there was a computer problem. The young lady that answered the phone told me to go ahead and email it to her and she would take it over to the claims department. Excellent customer service. I got my check last week. Very pleased with PetFirst, their coverage and their filing application.

Gary Bunevitch

19:34 05 Feb 19

We had just picked our little girl Sally from the shelter. 4 days later she was very ill. In fact, we did not think she would make it. Lots of love and two trips to the vet and she is starting to live again and doing well! The vet bills were daunting but PetFirst stepped up and paid the claims promptly! Thank you!

Tim Walterson

18:57 04 Feb 19

Maria Givan

00:03 26 Jan 19

If it wasn't for the insurance I have for our Fur Baby Munchkin who is a (Gray Tabby) I don't think he would be here with us I've never had such a horrific scare. Our Munchkin caught a parasite that he had for a while it got so bad that it started affecting his blood luckily the Pet ER we took him to where so amazing they took care of him soooo quickly he had to stay overnight so they can monitor his progress he was on IV fluids, and different antibiotics to get him better but I am so Thankful and Grateful that his insurance covered this😔 like I said I don't know what state I would have been without My Fur Baby. Thank You Again Pet First Insurance

Wendy Olivas

16:57 19 Dec 18

Wish my own health insurance company was like my pets. Fair company and quick reimbursements. Highly recommended A+++

ruben baghdassarian

04:55 19 Dec 18

Probably the only insurance company I have ever had consistently good service from and interaction with. I had 1 policy with them on a new cat I adopted and everything went so well with claims that I got policies for my 2 other animals. Definitely worth the monthly payment!

Jason Wever

18:44 29 Nov 18

Amazing dog insurance! I couldn’t be any happier with the service that is provided by them. They reviewed all of my claims and issued my reimbursement checks within 20 days of me submitting the online claim. Their service and coverages are great.

Betina Guimaraes

13:22 07 Nov 18

I had 30 free days of insurance with PetFirst when I adopted my dog Maggie. I had to take her in with an emergency after two weeks, and I was so thankful I was covered by PetFirst. Their claims process was incredibly easy, and I got reimbursed in about a week. If you're looking for a user-friendly website and claim process, give PetFirst a chance!

Samantha Feroce

11:53 31 Oct 18

They have been nothing but helpful in our claims with Kash our new pup thus far. Prompt service, courteous and do what they say they will. Great service!

Natasha Day

20:18 22 Oct 18

Very informative and easy to work with. Got a free month from my state’s humane society. Very good way to introduce insurance for your pet. I’ve owned several rescued pets. This is my first time to carry insurance. I see where it will be cost effective for me with three dogs.

R Boyd

18:48 13 Oct 18

I love this company! My English Bulldog Oliver had 2 mast cell tumors removed this past year (2 different claims), and PetFirst reimbursed me for the majority of these bills! They are life saviors. For anyone even considering buying pet insurance it is definitely worth it! Especially for the peace of mind (veterinary bills can get extremely expensive fast). When I was in the 24 hour veterinary specialty clinic I met a man who’s 1 year old blood hound got hit by a car earlier in the week (his dog had 2 broken hips). His children were devastated. This poor man told me he didn’t have pet insurance either. I felt bad for him.

Ashley Camper

20:19 29 Sep 18

I am so grateful that pet insurance is available to cover our furry friends, and after tons of research and even trying out a few competitor's plans in the past, I have found PetFirst to be the absolute best. I no longer have to wait and worry about being able to take my pets to the vet when they are sick or hurt. If it is more than just an upset tummy or sore muscles from playing a little too hard, I know I can take them to their regular vet or emergency hospital and get them whatever they need.I chose the $50 deductible with 90% reimbursement so I don't have to worry about my part of the cost of the visit afterwards. I have a Zero interest credit card specifically designed for medical expenses (offered by most doctors and veterinarians) and it offers 6 mos-18 mos interest free if balance paid before promotion ends. I never have to worry about paying it off in time because with PetFirst it is usually less than 2 weeks to receive my reimbursement check.People may think they can't afford pet insurance, but I say how can I not? I have limited income and I still make sure to set aside for the insurance. Not being able to get medical care for my pets or having to possibly choose to euthanize them because a treatment is too costly isn't a decision I have to worry about. That peace of mind is worth giving up a couple of extras each month so that my fur babies are all protected.Also, having the lifetime plan is extra comfort, because if they ever develop anything chronic, they will always be covered for that in the future.Thanks PetFirst for allowing me to be able to always give my pets whatever care they need in case they get sick or hurt. I may give up cable or eating out, but I will never give up our pet insurance!

Michelle Moyers

03:50 26 Sep 18

I have had dogs all my life and have stupidly never gotten pet insurance... ( my bad)... after losing our last dog in June, we rescued another dog and the rescue group took out a 30 day policy on our new furkid. Free for us. After talking with Pet First, I ended up just taking a policy out after the 30 days were up and oh boy am I glad we did. We had issues with his stomach and I sent all the paper work in and viola! A check within 3 weeks! Just fantastic! I highly recommend this company!

Lisa Bryant

18:56 19 Aug 18

Claims process is easy and quick. Monthly premiums has been reasonable so far for level of coverage. Happy with Pet First customer service; very helpful and responsive.

Denise Batistelli

18:13 16 Aug 18

Great company to work with. They are truly there to help you in any way that they can. I have a Tibetan mastiff puppy who has had some major issues as he has grown up and I’m not sure what I would have done without petfirst! Their claims process is quick and easy! Receiving a check is usually within days of your claim being approved. You can upload every document right through their website, or email any forms directly to them. I don’t have time for the back and forth nonsense which you would typically expect from any type of insurance company...but that is truly not the case here. Thank you!

Lindsay Samela

15:58 07 Aug 18

Excellent Insurance! Extremely helpful and caring Customer Service! I have carried insurance on my Pets for Several Years, hoping I don’t need it. I really have been Pleased with this Company. They really came through recently when my Dog had an Ear Cancer. They helped pay for almost 5,000. Dollars in Surgery and Medication. I did not have to stress about how I was going to pay for his Treatment. They have Customer Service Individuals you become familiar with and that is also reassuring. I am extremely Satsified with how this Company handled all of my questions.

Janet Bradley

15:11 18 Jul 18

When we adopted our little girl Sunny from the SPCA they were kind enough to give us an immediate free trial of this pet insurance. We called up first thing Monday morning and activated. (They do have limited weekend hours available too). The operator who helped us sign up was extremely friendly and informative. I was comforted knowing our new little family member was covered almost immediately should anything arise. That same week we took Sunny into the emergency vet because we thought she was having some breathing problems. $500 dollars later they sent us home with some Benadryl and a clean bill of health. I submitted my claim to PetsFirst within that same week. The process was easily outlined of what was required and had an easy upload option for the docs they required. The site stated the process could take up to 10 business days and I got a reply on day 7! To add to my excitement they were able to reimburse me almost all that I'd paid at the emergency vet. I will be sticking with PetFirst as my go to for my pet insurance needs. They really came through for us. A+ experience!

Jessica Joelle Cordero

21:40 26 Jun 18

This is a really helpful place for pet insurance. Very friendly service and it really pays to have pet insurance. they processed our claim and paid exactly as our policy stated.in a very short time!

Steve Willis

05:10 16 Jun 18

I AM SO IMPRESSED WITH PETFIRST. Really this was the first time I have ever had a puppy or insurance, and I see why its so needed. Honestly, I never thought i would use it, but after my puppy became sick, really sick, the vet bills piled up. We had to take her to an emergency vet, and get tons of iv fluids and on and on. Then 3000 dollars later and PetFirst has taken care of EVERYTHING. But the deductible. It saved us so much money and so many headaches. BUY THIS for your animal. You won't regret it.

Maria Niichel

01:46 12 Jun 18

George was professional and so very helpful today making sure that I received the right coverage for my rescue dog. Thanks much, George, - terrific customer service!

Barbara Phillips

17:22 29 May 18

The sales rep that helped me could not have been nicer, absolutely no preasure. Only wanted to help. Even gave me his private phone number in case I need something else. great job great service.

Donald Wallace

18:27 16 May 18

I've had my rescue dog for a year now. Poor little guy has had chronic diarrhea starting just a couple of weeks from when we adopted him. Luckily, we got a free trial of PetFirst insurance that we now gladly pay for. They have been great in paying without questions or hassles for all of the tests and treatment. Easier than most human health insurance.

Bruce Hirsch

16:57 09 Mar 18

their prices are really good and I would recommend this insurance. I never had a problem with them and I have gotten payment back from them fast. They have answered all of my questions. I have saved a lot of money with them being the first time to use this sort of insurance. I wouldn't go without now.

Mary Jacob

01:32 07 Mar 18

I’m very pleased with PetFirst Insurance. They are always friendly and informative when I call. I’m able to scan and send my claim without any issues. I receive prompt reimbursement within two weeks. Glad I have this in case of an emergency or expensive Dr. visit.

Li R.

22:38 06 Mar 18

I've had PetFirst Insurance for about a year now and it's been a real life-saver. It has the best coverage of any pet insurance plan I've heard of. We had an $800 emergency vet bill for my 2-year old lab mix (we thought she had an obstruction) and they reimbursed about $700 of it. The vet thought surgery might have been needed for a little while and I was really happy to have the insurance because PetFirst would've covered the majority of it. Their claim turnaround is pretty fast, I was able to get the reimbursement within a couple weeks and claims are really easy to file. Having PetFirst allows me to focus on my dog and her needs in an emergency without having to worry about the costs of treating her.

Annelise Denton

19:44 20 Feb 18

We just had a to file a claim for our dog. The claim form was very easy for our vet to follow. Had our reimbursement within two weeks. It was very easy. I recommend pet first insurance to all my friends with pets. Cindy

Cindy Kailey

22:12 27 Dec 17

Have had pets for the last 15 years and decided just last year to purchase a health insurance plan for my 2 dogs. I wasn't sure how this was going to work out and not sure if it was worth it. Well, found out it was totally worth it after my 7 year old greyhound was diagnosed with hemolitic anemia. We had lost another dog to this dreaded disease over 5 years ago and I was devastated. This time, we did catch it early and were able to treat it aggressively. Thank goodness, she survived and is back to her happy self. I gathered up all my bills and lab work and sent in my first claim to PetFirst pet insurance. Just received our reimbursement check in the mail yesterday. They paid a good portion of a very large bill and it made doing the right thing for our beloved pet that much easier. Plus it was an easy process too. No hassles at all. I will continue with the plans for both my dogs as long as they are with us! Highly recommend this insurance to any pet parent looking for peace of mind.

Renee Skoor

16:06 07 Nov 17

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Frequently Asked Questions

After I enroll can I change my deductible or reimbursement level?

Are there any types of caps or maximum limits?

Can I change my deductible? Are there penalties for doing so?

Does my pet have to be spayed or neutered to be eligible for coverage? Do you cover spaying & neutering?

Does my pet need a vet exam to qualify for coverage?

Does PetFirst cover alternative medicine/therapies?

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Phone

Fax

Resources

Pet Insurance Resources

Pet Owner Resources

Pet Tips & Tricks

Pet Insurance Comparisons

Frequently Asked Questions

After I enroll can I change my deductible or reimbursement level?

Are there any types of caps or maximum limits?

Can I change my deductible? Are there penalties for doing so?

Does my pet have to be spayed or neutered to be eligible for coverage? Do you cover spaying & neutering?

Does my pet need a vet exam to qualify for coverage?

Does PetFirst cover alternative medicine/therapies?

Pet Fun for Everyone

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Pet Tips & Tricks

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Pet Insurance

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PetFirst Reviews from