When you compare PetFirst and ASPCA Pet Health Insurance, one of the biggest differences you’ll notice is their deductible. ASPCA Pet Health Insurance coverage has an annual deductible, which you only need to meet once a year no matter how many times your pet gets hurt or sick. PetFirst insurance coverage has a per incident deductible, so you’ll need to meet this amount every time your pet has a new illness or injury.

ASPCA® Pet Health Insurance Pet First
Reimbursement Choice of 90%, 80% or
70% of covered vet costs
Choice of 90%, 80% or
70% of covered vet costs
Type of Deductible Annual Incident
Unlimited Plan Available Yes No
Illness Waiting Period 14 Days 14 Days
Accident Waiting Period 14 Days Midnight following enrollment day
Preventive Care Optional add-on Optional add-on
Coverage Includes:    
Exam Fees Yes Yes
Lab Tests, X-rays, Hospitalization, Surgery, Diagnostics, etc. Yes Yes
Prescription Medications Yes Yes
Hereditary and Congenital Conditions Yes Yes
Alternative Therapies Yes Yes
Behavioral Issues Yes Optional add-on with preventive care coverage
Dental Illnesses Yes Yes
Chronic Conditions Yes Yes
Specialists Yes Yes
Stem Cell Treatments Yes Yes
Prescription Food & Supplements
To treat a covered condition (not for general maintenance or weight management)
Yes Optional add-on; covers 25% of cost, up to $250 annually
Microchip Yes Optional add-on
No Vaccination Requirements for Coverage of Certain Conditions Yes Yes
Multiple Pet Discount 10% for each additional pet 5% for second pet and 10% for third and subsequent
Upper 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.

None None
All Pets Eligible, Regardless of Health Yes Yes
Accident-Only Plan Available for All Pets Yes No
Money Back Guarantee 30 Days* 14 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+

PetFirst Insurance Plan Comparison

Some of the main differences between PetFirst and ASPCA® Pet Health Insurance plans include the type of deductible you’ll need to meet and how they handle coverage for prescription food.

Type of Deductible

All pet insurance plans have a deductible, which is the amount you need to meet before you’ll start getting reimbursed. PetFirst has a per incident deductible, which means you’ll need to meet that amount every time you pet has a new diagnosis. With ASPCA® Pet Insurance plans, you only need to meet your deductible once a year. You can also choose from three deductible options of $100, $250, or $500. This way, you can customize your plan based on your budget and coverage needs. If you choose a higher deductible, you’ll pay less for your premium but you’ll need to pay more for your deductible.

Prescription Food and Supplements

Does pet insurance cover prescription food and supplements? That’s a common question especially as they have become more widely used to support certain pet health conditions. Both PetFirst pet insurance and ASPCA® Pet Health Insurance plans offer this coverage but they do so differently.

With PetFirst, coverage for prescription food is an optional add-on that only applies to 25% of the cost of the food up to $250 annually. ASPCA® Pet Health Insurance Complete CoverageSM covers prescription food up to your full annual benefit amount with no separate reimbursement or limits when it is being used to treat a covered condition (not for general maintenance or weight management).

Accident Only Plan Available

If you’re looking to cover your pet for accidents but not illnesses, you can choose an accident only plan with ASPCA® Pet Health Insurance. While this plan gives you less comprehensive coverage, it is less expensive so it may be a good option for people on a tight budget. PetFirst does not offer accident only coverage.


ASPCA® Pet Insurance plans cover the implantation of a microchip, which can help make sure your pet is returned to you as quickly as possible. PetFirst offers coverage for microchipping, but it is an optional add-on, so you’ll need to pay extra for it.

Multiple Pet Discount

The ASPCA® Pet Health Insurance program has a 10% multiple pet discount so you can save 10% on your base plan premium for every additional pet you insure. PetFirst offers a 5% discount for your second pet and 10% for three or more.

Money Back Guarantee

The ASPCA® Pet Health Insurance program and PetFirst offer money back guarantees. However, the PetFirst guarantee lasts for 14 days and only applies if you do not submit any claims. The ASPCA® Pet Health Insurance program gives you 30 days to make sure you’re comfortable with your coverage. As long as no covered expenses have been applied to your deductible or reimbursed, you can get a full refund within this time frame.*

*We offer a 30-day money back guarantee if no claims are filed. Not available in NY.

Comparison information is provided using publicly available information as of 7/1/2019 and is only meant to summarize program features, not a specific plan.

Review the provider’s plan terms for more details. The description of the providers’ plans are not provided by that company. If you have questions about other plans, please contact an agent of that company. It is our intention to provide fair and accurate comparison information. We attempt to keep information up to date but it may change from time to time. If you are aware of any inaccuracies or changes in the information provided, let us know by emailing socialmedia@cfinspet.com or mailing Marketing Department 1208 Massillon Road, Suite G 200, Akron OH 44306.

Pre-existing conditions are not covered. Waiting periods, annual deductible, co-insurance, benefit limits and exclusions may apply. For all terms and conditions visit www.aspcapetinsurance.com/terms. Preventive Care coverage reimbursements are based on a schedule. Complete Coverage℠ reimbursements are based on the invoice. Products, schedules, and rates may vary and are subject to change. Discounts may vary and are subject to change. More information available at checkout.

Insurance products are underwritten by either Independence American Insurance Company (NAIC #26581. A Delaware insurance company located at 11333 N. Scottsdale Rd, Ste. 160, Scottsdale, AZ 85254), or United States Fire Insurance Company (NAIC #21113. Morristown, NJ). Please refer to your policy forms to determine the underwriter for your policy. Insurance is produced by PTZ Insurance Agency, Ltd. (NPN: 5328528. Domiciled in Illinois with offices at 1208 Massillon Road, Suite G200, Akron, Ohio 44306). (California residents only: PTZ Insurance Agency, Ltd., d.b.a PIA Insurance Agency, Ltd. CA license #0E36937).

The ASPCA® is not an insurer and is not engaged in the business of insurance. Through a licensing agreement, the ASPCA receives a royalty fee that is in exchange for use of the ASPCA’s marks and is not a charitable contribution.