PetFirst | Pet Insurance Review


out of 10

1418 Verified Reviews

  • 60 Days
  • 1 Year
  • Lifetime
  • Rating
  • 9.8
  • 9.5
  • 7.8
  • Count
  • 6
  • 82
  • 1418
PetFirst Pet Insurance is committed to providing cost-effective pet insurance plans for dogs and cats of any age and breed.  PetFirst’s pet insurance plan is one of the most comprehensive on the market, and is available in all 50 states. Learn more about PetFirst’s plan options, read thousands of customer reviews and get a quote so you can make an informed choice about your pet insurance provider.

out of 10

POSTED: | BY: Jim Locklair

All you should need at a fair price

This policy has a smaller deductible than most; one deductible per year, not for separate occurrences. Good policy,!

out of 10

POSTED: | BY: Dixie Escajeda

Awesome insurance

This insurance is wonderful. Joy was diagnosed with chronic heart failure on August 2, 2021. We had never used her insurance before but were certainly glad we had it then. It has been so good about paying. It takes a few weeks after approval but it comes. I recommend this to everyone. If you love your baby get it insurance. It's so worth it.

out of 10

POSTED: | BY: Rose de la Torre

Robin (rep) is very knowledgeable and courteous. I didn’t have second thoughts getting the policy.

Awesome coverage!

out of 10

POSTED: | BY: Robin Shuler

Smoothest claim ever!!!

As most bills/ claims go, I expected a lengthy process but to my surprise and amazement, I’ve never had a claim done so efficiently and the reps were amazing and courteous. I highly recommend petFirst/MetLife ( in Virginia) for Any surgery . The reps were clear and answered my questions and made the process easy and that’s important , especially when your fur baby is having or just had surgery and I cannot thank them enough! Found the inurqnce on a FB group review !!!

out of 10

POSTED: | BY: Lindsey Gregory

Horrible company!

I chose PetFirst (MetLife) pet insurance as it is offered through my employer. The plan went into effect in November 2020. My dog developed diabetes and was hospitalized for diabetic ketoacidosis in February 2021. She had no symptoms of diabetes prior to the policy taking effect. My claim for her medical care was denied as a pre-existing condition because she has had polyuria and polydipsia in the past, though her vet records state that these were RESOLVED in 2018. PetFirst FINALLY paid my claim in 2021 after much stress. PetFirst is now refusing to pay for medications and supplies that my dog needs as a direct result of her hospitalization in 2021. They first claimed that they needed medical records that they already had, then they denied the claim, and said to look online for more information. The only information in their online portal stated that the claims were denied and that one of them was a pre-existing condition. I am now likely going to have to wait for a letter to come in the mail that details further why my claims were denied. What is the point of having pet insurance if you have to spend significant time fighting with them to cover medications, supplies, and treatments? I seriously regret choosing PetFirst, but I am now stuck with them due to my dog’s pre-existing conditions. They should be ashamed of themselves for the way they conduct business.

Monthly Cost

$16 – $100, depending on your chosen plan.


You have a co-pay of 10% – 30% after your deductible.

The pay-out amount is based on your actual vet bill.

Payout Limits

Annual limits of $1,000, $2,000, $5,000, $10,000, or $20,000 depending on your chosen plan.

No lifetime limits apply.


$50 – $500 per incident.

Age Limits

Pet must be at least 8 weeks old to enroll.

No upper age limits apply.

Waiting Period

Coverage begins 1 day after date listed on policy for accidents. A policy waiting period of 14 days applies for illness claims.


Pre-existing conditions are not covered.

Hereditary, chronic and congenital conditions are covered.

Optional Routine Care package can be added for an additional fee, and includes coverage for annual exams, vaccines, flea and tick prevention, microchipping and behavior training.

PetFirst Pet Insurance is committed to providing cost-effective pet insurance plans for dogs and cats of any age and breed. Since 2004, PetFirst has enabled pet owners to effectively plan ahead for the expenses of providing veterinary care for their four-legged friends. PetFirst’s pet insurance plan is one of the most comprehensive on the market, and with varying annual benefit options, there is a plan to suit every pet and budget. PetFirst’s Pet Insurance is available in all 50 states and coverage includes hereditary, congenital and chronic conditions.

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