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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.


Average Price	$28 - 57/mo. Get a Quote	$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	✔	✔
Accidents	✔	✔
Illnesses	✔	✔
Cancer Coverage	✔	✔
Orthopedic Issues	✔	✔
Hereditary Conditions	✔	✔
Chronic Conditions	✔	✔
Prescription Meds	✔	✔
Dental - Accidents	✔	✔
Cancer Coverage	✔	✔
Wellness Coverage	X	✔
Vet Restrictions	None	None

✓ = Included O = Optional X = Excluded

Note: Pet insurance does not cover pre-existing conditions

Summary

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.