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PetFirst Insurance


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PetFirst started in 2004 and is based in Jeffersonville, Indiana. It offers flexible pet insurance plan options with up to 100 percent reimbursement rates. In December 2019 the company announced that it had been acquired by MetLife, providing it with expanded distribution and resources to serve pet parents across the country.


PetFirst’s deductible uses a per-incident basis rather than an annual one. The deductible ranges from $50 to $2,500.


You take your pet to the veterinarian of your choosing and pay the bill at the time of service. After that, you send the paperwork over to PetFirst to file a claim. Reimbursement for your bills is between 70 and 100 percent. The company covers up to $10,000 per year in benefits and up to $575 for preventative care.

Emergency Care

Your pet insurance plan through PetFirst covers emergency care and hospitalizations immediately.

Waiting Period for Accidents and Illnesses

Most accidents and congenital, chronic, hereditary, and acute illnesses are covered right away. Other immediate benefits include diagnostic testing, X-rays, prescriptions, examination fees, ultrasounds, and alternative therapists.

Your pet has a 12-month waiting period for intervertebral disc disease and cruciate ligament conditions.


PetFirst pricing varies based on the type of pet, its age, your location, and the plan features selected. Cat insurance starts at $9 per month, and dog insurance begins at $15 per month. A routine care benefit rider is also available.

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