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Petplan vs. PetFirst Pet Insurance

Petplan and PetFirst are two of the most respected pet health insurance companies in the U.S. Here is an updated, side-by-side comparison of the two companies to help you make a decision.

Petplan Pet Insurance
PetFirst Pet Insurance
Average Price
$28 - 57/mo.
$33 - 61/mo.
A.M. Best Rating A A+
BBB Rating A+ A+
Customer Satisfaction 88% NA
Total Reviews 5,484 reviews NA
Deductible $100 - 1,000
$50 - 500
Reimbursement 70 - 90% 70 - 90%
Annual Limit $2.5k - Unlimited
$1k - 10k
Company Profile Petplan Overview PetFirst Overview
Waiting Period for Accidents 5 days 14 days
Waiting Period for Illnesses 15 days 14 days
Waiting Period - Orthopedic
6 mos.
12 mos. for cruciate ligaments
Emergency Care
Cancer Coverage
Orthopedic Issues
Hereditary Conditions
Chronic Conditions
Prescription Meds
Dental - Accidents
Cancer Coverage
Wellness Coverage
Vet Restrictions None None

✓ = Included   O = Optional   X = Excluded

Note: Pet insurance does not cover pre-existing conditions



Petplan and PetFirst are both excellent companies with great coverage. The biggest difference between the two is that Petplan offers major medical coverage only while PetFirst offers a wellness care rider.

Another differentiator is that Petplan has an annual deductible and PetFirst has a per incident deductible, which is applies each time you file a claim. In this aspect Petplan has an edge.

If you're looking for major medical coverage for unexpected accidents and illnesses, Petplan would be a better choice. However, if you want comprehensive coverage that includes wellness then PetFirst would be a better option for you.

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