PetFirst's plans have annual limits that set a total reimbursement amount for the year. That means that, if a pet is unlucky and gets sick three times in a year, the reimbursements cannot be higher than the total payout limit.

On the other hand, ASPCA Pet Health Insurance plans have an incident limit. The full benefit amount is available for each new sickness or injury, so there's no limit to the number of accidents or illnesses we'll cover each year. Considering many of our customers who file a claim wind up filing three or more in a year,+ this can make a big difference.

Example Monthly Cost*
ASPCA Pet Health Insurance PetFirst
Level 2:
$32.22
Lifetime 5,000:
$34.95

* Based on mixed breed dog under age 1 in zip 11215 as of 4/17/14; using reasonably comparable plans, including co-insurance and deductible amounts where available.

View a claim example to see how this works.

Most pet insurance plans cover accidents and illnesses. If you're also interested in coverage for hereditary and congenital conditions, make sure both types of conditions are covered by the plan you select.

ASPCA Pet InsurancePet First
Reimbursement Choice of 90%, 80% or 70% of
usual and customary covered costs
Choice of 90%, 80% or 70% of
reasonable and customary covered costs
Type of Deductible Annual Incident
Illness Waiting Period 30 Days 14 Days
Accident Waiting Period None None
Hereditary and Congenital Coverage Coverage for both hereditary and congenital conditions is included on two plans. Included on one plan or available as an add-on with chronic conditions for either $20 or $50 per month, depending on coverage chosen.
Alternative Therapy Coverage Available Available
Behavioral Coverage Available. Coverage includes consultations, diagnostics and prescriptions. Limited. Behavior training coverage is available with some routine care options.
Coverage for Chronic Conditions All levels come with Continuing Care to cover chronic conditions for eligible pets. Covered on Lifetime plans or as optional coverage package with hereditary coverage for $20 or $50 per month
Multiple Pet Discount 10% for each additional pet None
Age Limits for Illness Coverage Enrollment

This is the age at which illness coverage is no longer available for new enrollments. Typically, a pet's plan won't be cancelled because of age.

Dogs: 13
Cats: 15
Dogs: 10
Cats: 10
Accident-Only Plan Available for All Pets Yes Yes
Wellness Coverage Two wellness options: Routine Wellness costs $12 a month for $280 in annual benefits. Advanced Wellness costs $26 a month for $530 in annual benefits. Three wellness options: Routine Care 125 starts at $9 per month for $125 in benefits; Routine Care 250 starts at $14 per month for $250 in benefits; and Routine Care 400 starts at $19 per month for $400 in benefits.
Money Back Guarantee 30 Days 30 days
Experience The agency that provides ASPCA Pet Health Insurance was founded in 1997. PetFirst was founded in 2004.
Better Business Bureau Rating A+ A+