Spot Pet Insurance has created a way to cover your pets to help relieve you of the stress of paying vet bills on your own. Our innovative approach offers user-friendly online access to customizable coverage. And we truly put pets first. See below! Here are six ways Spot covers important ways Spot covers your pet better than the plans offered by PetFirst.

Deductible Type

Spot Pet Insurance only requires you to meet your deductible once a year to receive reimbursements, regardless of how often your pet receives treatment for accidents or illness. We offer annual deductibles of $500, $200, and $100 that allow you to customize your premium to fit your budget.

With PetFirst, you’ll need to meet the deductible for every new diagnosis or incident for which your pet requires treatment. And if your deductible is $250, you’re paying that amount before receiving reimbursement for every new reason your pet needs vet help.

Prescription Supplements & Food

Spot reimburses you up to your full annual benefits amount for prescription supplements and foods (excluding weight maintenance) when scripted by your vet to treat covered conditions.

PetFirst offers coverage for prescription food as an optional add-on and only applies to 25% of the cost up to a total of $250 reimbursed annually.

Accident Only Plan

You can also get a Spot plan just for covering accidents.

PetFirst doesn’t offer an accident-only option.

Behavioral Conditions

Spot covers the diagnosis and treatment of behavioral conditions that may include concerning behavior like excessive licking, fur pulling, and destruction of the home.

PetFirst offers coverage for behavioral conditions as an optional add-on with preventative care coverage.

Longer Money Back Guarantee
Spot gives you a 30-day money-back guarantee.*

PetFirst’s money-back guarantee is 14 days.


Spot covers implanting a microchip in your pet, which can help you be reunited with your pet, should they ever be lost.

You’ll have to pay extra for microchipping with PetFirst since they only cover it as an optional add-on.

See how flexible Spot’s quotes are by fetching your free quote. It takes less than 30 seconds!

* 30-day money-back guarantee only available if no claims have been approved or paid. Not available in NY. 

The content of this comparison is intended to summarize features of the program offered by another provider and does not outline a specific plan. The summary is not that of the other provider. The comparison is based upon plan information available to the public as of 11/1/2019. See the terms of the provider’s plans to learn more. Questions about a provider’s plans should be directed to that company. We work to maintain accurate, current information. If you notice any content that requires updating, please contact us via email at or by mail at Spot Pet Insurance Services LLC, 400 Clematis St. #208, West Palm Beach, FL 33401.

*Assuming no claims have been filed. Not available in NY,