PetFirst offers optional coverage for prescription food to treat covered conditions, though this coverage applies to 25% of the cost of food, up to $250 annually.

With ASPCA Pet Health Insurance Complete CoverageSM, prescription food and supplements are covered up to your full annual benefit amounts, with no separate reimbursement allowances or limits, when the prescription food or supplements are treating a covered condition.

Example Monthly Cost*
Complete CoverageSM
$10,000 Annual Limit:
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 None None
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 Yes
Dental Illnesses Yes No
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
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 Yes
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+