• petplan vs. pet first 
         comparison

  • pet-insurance-comparison-guide/petplan-vs-petfirst
Compare Petplan to PetFirst below!

Is the company rated 9 or above by pet parents in independent reviews on PetInsuranceReview.com?

Petplan: Yes

  • Petplan is consistently rated among the top by pet parents for customer satisfaction. Current Rating: 9.2 out of 10 (2,042 total reviews - May 21, 2014). 

PetFirst: No

  • Current Rating: 7.8 out of 10 (121 total reviews - May 21, 2014).

Are hereditary and congenital conditions covered as standard on all policies, without additional riders or surcharges?

Petplan: Yes

  • Petplan policies include coverage for hereditary and congenital conditions as standard with no riders or surcharges. 

PetFirst: No

  • Coverage for hereditary and congenital conditions is only available if you purchase an additional Hereditary/Congenital/Chronic conditions rider. Some cancers may be excluded if they are determined to be hereditary conditions. 

Are all chronic conditions covered as standard without maximum payout limits?

Petplan: Yes

  • Chronic conditions are covered if they are not pre-existing and have not occurred during the waiting period. 

PetFirst: No

  • Coverage for chronic conditions is only available if you purchase an additional Hereditary/Congenital/Chronic conditions rider. 

Are all alternative and holistic therapies covered as standard?

Petplan: Yes

  • Petplan covers all alternative and holistic therapies as standard, provided these treatments are performed by a licensed veterinarian. 

PetFirst: Yes

  • Policies cover alternative therapies, including acupuncture and massage therapy, provided treatment is performed by a licensed alternative therapist.

Are prescription medications covered?

Petplan: Yes

  • Prescription medications are covered as standard. 

PetFirst: Yes

  • Prescription medications are covered provided they correspond to the medical condition which has been diagnosed.

Does the policy cover my pet's veterinary accident or illness exam fee?

Petplan: Yes

  • Vet exam fees are covered by Petplan policies, including exams performed by specialized vets. 

PetFirst: Unclear

  • Policies will reimburse the "usual and customary" costs of a vet exam.


Is the company's underwriter rated?

Petplan: Yes

  • Petplan insurance policies are administered by Fetch Insurance Services, LLC (Fetch Insurance Agency, LLC in Michigan), d/b/a Petplan (Petplan Insurance Agency, LLC in California) and issued by XL Specialty Insurance Company, a member of XL Catlin (rated A+ S&P), and AGCS Marine Insurance Company, a member of the Allianz Group, (rated A+ A.M. Best). 


PetFirst: Yes

  • Policies are underwritten by American Alternative Insurance Corporation, a subsidiary of Munich Re (A.M. Best rating: "A+", outlook: stable, May, 2011) and Lloyds of London (A.M. Best rating: "A", outlook: stable, May, 2011)

policies by AGCS Marine Insurance Company, an Allianz company

  • claim calculator
    claim calculator
  • How much could you claim with Petplan?

    Just change the information below to see how much you could claim.
    • Your plan
    • Your deductible
    • Your reimbursement
    • Your vet costs $
    • Your share of the costs:
      $000.00
    • Petplan's reimbursement to you:
      $000.00
    • Coverage remaining in policy period:
      $000.00
  • (full policy limits are reinstated upon renewal)