Reviewed by: André Spiteri
PetFirst have unusually short waiting periods and cover bilateral conditions, which most other insurers classify as pre-existing. While they’re relatively expensive, they offer great discounts if you insure more than one pet, making them the ideal choice for a multi-pet household.
PetFirst has three different plans. All plans cover the diagnosis and treatment of accidents and illnesses, including cancer, congenital conditions and chronic conditions.
The difference between plans lies in their annual limits. The Lifetime 5000 plan lets you claim up to $5000 a year and the Lifetime 10,000 plan lets you claim up to $10,000 a year. The Lifetime 20,000 plan has the highest annual limit: $20,000.
Unlike other insurers, PetFirst do not limit the number of foreign-body ingestions per year, which is great if your pet’s inquisitiveness tends to land him in hot water.
You can also purchase wellness cover at an additional cost.
PetFirst’s plans don’t have lifetime limits or per-incident caps.
However, they do have annual limits. Their cheapest plan has a $5000 annual limit, whilst their second tier has a $10,000 annual limit. Compared to some other providers, these limits are on the low side. You’ll need to go for the most expensive plan to get the highest annual limit, which is set at $20,000.
There is also a per-incident deductible. You can choose to set it at a low $50 or as high as $500. Payout is a straight 70%, 80% or 90% of your total bill after the deductible, provided it doesn’t exceed the annual limit.
PetFirst is surprisingly expensive.
Insuring a young, mixed-breed cat will set you back $14 a month if you go for 70% reimbursement with a $500 per-incident deductible and a $5000 annual limit.
The cost gets significantly higher with a lower deductible and higher reimbursement percentage, even if you keep the low $5000 annual limit.
While this isn’t the best bang for your buck out there, PetFirst do offer great discounts if you insure more than one pet. You’ll get 5% off when you insure a second pet, and 10% off on every additional policy. This makes them the best choice if you have a multi-pet household.
PetFirst insure any pet over 8 weeks of age. Unlike other pet insurance providers, however, they don’t have any upper age limits.
PetFirst’s exclusions are simple and straightforward.
They won’t cover pre-existing conditions. However, unlike most other insurers, there’s no exclusion for bilateral conditions. This means that if your pet had a pre-existing injury to the right leg, a similar injury to the left leg will still be covered.
There’s a 12-month waiting period for ligament tears and disc disease, but cover for most other accidents starts one day after the policy and cover for illnesses starts after 14 days. Most other insurers have 30-day waiting periods.
PetFirst have comprehensive cover and short waiting periods, but low annual limits and per-accident deductibles mean they’re not the best deal out there. Having said this, they offer significant discounts if you insure more than one pet, making them ideal for multi-pet households.
Last Updated: February 2016