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What's Covered?
How Spot Pet Works
Visit Any Vet
No vet restrictions! Visit any vet in the U.S. or Canada.
Submit Your Claim
Send us your bill online, in our app, or via fax.
Get Paid!
Get cash back quickly for covered vet bills either direct deposit or check – you pick.
Affordable Pet Insurance Options for Cats & Dogs
Life is full of surprises. Spot can help pet parents plan for them through easy and simple pet health insurance options that can be used at any licensed vet in the U.S. or Canada
Happy Pet Parents Trust Spot
The member portal is very easy to use…
The member portal is very easy to use and the communication that is provided about claims is excellent.
Spot insurance reimbursement was fast…
Spot insurance reimbursement was fast and efficient! Worth every dollar.
Best Insurance I’ve had so far…
Spot Insurance had made all processes associated with claims, questions, and so on, very easy to navigate. Hanks so much for keeping my fur kid safe and protected!
The claim process was so simple and easy
The claim process was so simple and easy
first claim
Just submitted my first claim and it was very easy and quite.
The service is absolutely great.
The service is absolutely great.
Easy to submit claims
Easy to submit claims. Claims were processed quickly.
Love this company
This company is great. It had reimbursed me fast and amazingly easy to file claims. 100% recommend Spot.
Claim
It’s easy to get the reimbursement
The insurance covered partial cost of a routine check up.
The insurance covered partial cost of a physical from day one. With a new adopted dog, we wanted to start off with a physical - so it was perfect.
Frequently Asked Questions
Have questions about pet insurance and how it works? Don't worry, we've got you covered.
What is pet insurance and how does it work?
Pet insurance can help cover the cost of eligible veterinary care for your pet. Spot Pet Insurance plans offer a range of benefits to help make pet healthcare more affordable and accessible.
Spot plans are customizable, pet parents can select an annual deductible, annual limit, and reimbursement rate from a range of options. This helps pet families choose a plan that can help cover the needs of their pet and fit within their budget.
The process is simple:
Visit Any Vet:
You are not restricted to specific clinics or hospitals. Take your pet to any licensed veterinarian in the U.S. or Canada for care.
Submit Your Claim:
After paying your vet bill, submit your claim through our online Member Center or through the Spot Pet Insurance app.
Get Paid:
Once your claim is processed, you'll receive reimbursement for covered expenses directly to your bank account via direct deposit or through a check – the choice is yours.
In summary, pet insurance providers like Spot helps pet parents manage the cost of veterinary care, helping offer peace of mind and some financial protection.
What are the three types of pet insurance?
There are three primary types of pet insurance coverage:
Accident-Only Coverage: Accident-only plans offer basic coverage for veterinary expenses related to the treatment of unexpected accidents like injuries from falls, fights, or car accidents. The most affordable plan option, it typically includes vet exam fees, diagnostics like X-rays and MRIs, surgery, hospitalization, medications, and some alternative therapies. Learn more about accident-only coverage.
Accident and Illness Coverage: This more comprehensive plan includes everything covered under accident-only plans, plus veterinary expenses related to illnesses. This can encompass a wide range of health issues such as infections, hereditary conditions, cancer, diabetes, and even behavioral problems. Learn more about accident and illness coverage.
Wellness/Preventive Care Coverage: Preventive care coverage cannot be purchased alone; it's an add-on to a base plan (either accident-only or accident and illness). It helps cover routine and preventive care services such as vaccinations, annual check-ups, dental cleanings, and flea/heartworm prevention.
Choosing the right type of pet insurance depends on your pet's age, breed, lifestyle, and your budget. Accident-only plans are usually recommended for young, healthy pets or those on a tight budget. Accident and Illness plans offer more comprehensive protection, especially as pets age and become more prone to health problems. Wellness coverage is a valuable addition for pet parents who may want help managing the costs of routine care, and new pet parents interested in coverage for spay or neuter procedures.
What do pet insurance plans cover? What do they not cover?
Pet insurance plans primarily cover unexpected accidents and illnesses, helping provide financial assistance for veterinary treatments, medications, surgeries, and hospitalization for eligible conditions. This can be a helpful lifeline for pet parents when faced with unexpected medical expenses due to injuries, infections, chronic diseases, or even emergency care.
Depending on the specific plan options, coverage can also extend to preventive care services such as vaccinations, annual checkups, dental cleanings, and flea/heartworm prevention. This can help pet parents budget for routine care and promote their pet's overall health and well-being.
However, it's important to note that pet insurance typically doesn't cover everything. Common exclusions include expenses relating to breeding, boarding, grooming, and pre-existing conditions. Additionally, some policies might have specific waiting periods before coverage kicks in for certain illnesses or procedures.
Is pet insurance worth it?
Yes, pet insurance is generally worth it for most pet parents. The primary reason is its ability to help manage the often unpredictable and potentially high veterinary costs associated with unexpected accidents or illnesses. These unexpected events can cause significant financial strain, and pet insurance can help alleviate some of that burden.
Beyond the financial aspect, pet insurance can also help provide pet parents with invaluable peace of mind. Knowing that they have a safety net in place helps allow them to focus on what truly matters – their pet's health and well-being – instead of worrying about the cost of care. This can lead to better decision-making and potentially even life-saving treatments for their furry companions.
While the monthly premiums may seem like an added expense, the potential help provided in the long run, especially in the face of a major illness or injury, can far outweigh the cost of the insurance. In essence, pet insurance is a tool that can benefit your pet's health and your financial security.
Does pet insurance cover pre-existing conditions?
Generally, pet insurance does not cover pre-existing conditions. A pre-existing condition is any illness or injury your pet experienced before your coverage began including during the 14-day waiting period after enrollment. This means any treatment or medication related to that condition will not be reimbursed by your insurance.
However, there are a few exceptions. Spot can offer coverage for curable and cured pre-existing conditions if your pet has been symptom-free and treatment-free for a period of 180 days. This does not apply to knee and ligament conditions. Additionally, Spot’s accident and illness plan can help cover eligible hereditary and congenital conditions, which are genetic or present at birth, even if they manifest later in life.
It's crucial to carefully read your pet insurance policy before enrolling to understand which conditions or injuries can be covered under your plan. If your pet has a pre-existing condition, it's still wise to consider insurance as it can help cover future, unrelated illnesses and injuries. If you have any questions about your coverage, please reach out to our customer service team at 800-905-1595.
