Coverage
Find out aspects of coverage and what pet insurance can cover here
Does Pet Insurance Cover Pre-Existing Conditions?
Pet insurance does not cover pre-existing conditions. Any illness, injury, or symptom documented in your pet’s medical records before the policy’s effective date is excluded from coverage — and in most cases, that exclusion is permanent. There is a...
Coverage
Does Pet Insurance Cover Teeth Extraction?
Pet insurance can cover tooth extractions when the cause is a covered illness or injury — such as periodontal disease, a tooth abscess, or trauma. Standard accident and illness plans help reimburse eligible dental treatment, including extractions,...
Coverage
Does Pet Insurance Cover Neutering?
Standard pet insurance does not cover neutering or spaying. These are elective, scheduled procedures — planned well in advance, not sudden emergencies — so they fall outside the structure of accident and illness coverage. However, some pet insurance...
Coverage
Pet Insurance for Dogs With Chronic Conditions: What It Covers and What It Costs
Dogs that already have chronic conditions like diabetes or heart disease can still get pet insurance — and the monthly premium is determined by the dog’s age, breed, and location, not by the presence of an existing diagnosis. What changes is the...
Coverage
Pet Insurance for Rescue Dogs and Cats: Coverage Options
Pet insurance for rescue dogs and cats works the same way it does for any other cat or dog — you pay a monthly (or annual) premium, file claims after vet visits, and get reimbursed for eligible costs — but there are two things to keep in mind for...
Coverage
Cat Vaccination Schedule: When to Get What Shots for Kittens and Cats
Kittens need their first vaccines at 6-8 weeks old, with boosters every 3-4 weeks until they reach 16 weeks of age. The 2020 AAHA/AAFP Feline Vaccination Guidelines¹ recommend core vaccines (FVRCP and rabies) for all cats, regardless of whether they...
Coverage
Does Pet Insurance Cover Dental Care? What's Included and What's Not
Pet insurance typically helps cover dental injuries from accidents and treatment for dental disease, but routine cleanings and preventive dental care require a separate wellness add-on. According to the AVMA¹, periodontal disease is "the most common...
Why Pet Insurance?
Coverage That Fits Every Breed: How Spot Pet Insurance Helps Keep Dogs and Cats Healthy
Every pet is different — from playful pups and gentle seniors to curious cats and cuddly kittens. Each one deserves care that fits their needs. That’s why Spot Pet Insurance offers coverage that fits every breed, giving pet parents the freedom to help...
Coverage
How Much Does Dog Hernia Surgery Cost?
Yes, dogs can get hernias, too, and they are quite common. The cost of surgery can be as low as $150 to as high as $10,0003. Apart from the surgery itself, there will be other costs attached, like pre-surgery examination, post-surgery care, and more....
Coverage
