Spot compared to Pet First

If you’re looking for a quick pet insurance comparison, you’ve definitely come to the right Spot! PetFirst and Spot Pet Insurance differ in many ways, but this comparison is quite simple. Spot offers an innovative approach that offers user-friendly online access to customizable coverage. Read on below for 7 ways Spot differs from Nationwide.

Deductible Type
This is the amount you must satisfy for covered veterinary expenses before you can start being reimbursed.

Per incident deductible. Wow! This means that you’ll need to meet this amount every time your pet has a new illness or injury.

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.

Spot Pet Insurance
Annual deductible. You select the annual deductible as part of your enrollment process and only have to meet it once in a calendar year, no matter how many times your pet gets hurt or sick. You can choose from $500, $200, and $100 options. Quick tip: If you want a lower premium, select a higher deductible. If you want more money back for your claims, select a lower deductible.

Accident Only Plan

This is plan option is not available.

Spot Pet Insurance
Sticking to the theme of putting your pet first, it’s best you know that Spot offers an accident-only pet insurance plan. This is a great option if your pet has a great bill of health and is not susceptible to illnesses. It’s also a less expensive alternative to our Accident and Illness plan.

Longer Money Back Guarantee

Lasts for 14 days and only applies if you do not submit any claims

Spot Pet
How about 30 days? That’s right! We want to make sure you’re happy with the coverage plan you select. As long no covered expenses have been applied to your deductible or reimbursed, you can get a full refund within this time frame*

Multiple Pet Discount

PetFirst offers a 5% discount for your second pet and 10% for three or more.

Spot Pet Insurance
Take 10% off any additional pet you enroll.


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

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

Prescription Food & Supplements
One of the most common questions we receive is, “Does pet insurance cover prescription food and supplements?” PetFirst and Spot pet health insurance plans both offer coverage for this, but they do so differently.

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

Spot Pet Insurance
Prescription food and supplements are covered 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).

Behavioral Conditions

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

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

For a more extensive comparison between pet plan coverage offered by Spot and PetFirst, visit our comparison tool-kit today.

All set? Fetch your free quote today.

*30-day money back guarantee is 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.