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PetPremium vs. PetFirst Pet Insurance

Here is a quick, side-by-side comparison of PetPremium and PetFirst Pet Insurance to help you decide between the two.

 PetPremium Pet Insurance
PetFirst Pet Insurance
Average Price

$25 - 54/mo.


$33 - 61/mo.
A.M. Best Rating A+ A+
BBB Rating A A+
Customer Satisfaction NA NA
Total Reviews NA NA
Deductible $100 - 500
$50 - 500
Reimbursement 70 - 90% 70 - 90%
Annual Limit $2.5k - Unlimited
$1k - 10k
Company Profile PetPremium Overview PetFirst Overview
Waiting Period for Accidents 1 day 14 days
Waiting Period for Illnesses 30 days 14 days
Waiting Period for Orthopedic Coverage 30 days
12 mos. for cruciate ligaments
Emergency Care
Cancer Coverage
Orthopedic Issues
Hereditary Conditions
Chronic Conditions
Prescription Meds
Dental - Accidents
Cancer Coverage
Wellness Coverage
Optional Optional
Vet Restrictions None None


Pet insurance companies do not cover pre-existing conditions


Bottom Line

PetPremium and PetFirst are both great choices for dog and cat owners. Both companies offer accident and illness coverage with the option to add wellness and routine care. An important consideration is that ASPCA has an annual deductible and PetFirst has a per-incident deductible, which is applies each time your pet has a health issue. We recommend annual deductibles in case you have multiple claims in one calendar year.

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