They Think We’re Pretty Cool:
What is Pet Insurance?
Pet insurance is a type of coverage that helps cover the cost of vet care for your pet by reimbursing up to 90% of covered vet bills. It can help cover unexpected accidents and illnesses, as well as routine preventive care. With pet insurance, you can help protect your pet's health and potentially avoid significant financial burdens in case of unexpected vet bills.
Visit Any Vet
No vet restrictions! Visit any vet in the U.S. or Canada.
Submit Your Claim
Submit your claim online or through our mobile app – it’s quick and easy.
Get Paid!
Get cash back quickly for covered vet bills either direct deposit or check – you pick.
What are Waiting Periods?
A waiting period is the period of time between the date you enroll and the date your coverage begins. Most insurance policies will have a waiting period before you can start receiving reimbursements on covered vet bills.
Spot plans have a waiting period of 14 days for accidents and illnesses. If you decide to purchase a preventive care coverage option, your wellness coverage starts the next day.
Are there any Types of Incident or Lifetime Caps?
With accident & illness plans provided by Spot, there are no per-incident limits or lifetime caps. Spot plans use annual deductibles and annual limits both of which are chosen from a range of options by the pet parent when customizing their policy.
What is the best age to insure my pet?
Spot plans don’t have upper age limits for new enrollments or coverage. We advise all pet parents to enroll their pets as soon as they are eligible, at 8 weeks old. This lowers the chance that your pet may develop a “pre-existing condition,” which will then not be eligible for coverage once they are insured. Read more about insurance for multiple pets here.
How are My Pet Insurance Premiums Calculated?
In general, your premium is based on your pet’s age, your pet’s breed, and where your pet lives. Some other factors that impact your premium are: the plan you choose, your deductible, your reimbursement percentage, if you have included preventative care coverage or not, and the discounts for which you are eligible.
Why Does Pet Insurance Go Up?
These necessary increases give you the opportunity to help get your pet the best medical treatment options available for covered conditions.
Additionally, premiums are affected by your pet’s age, as the risk for more costly claims increases as they get older.
Spot Pet Insurance strives to provide plans with coverage that continues well into your pet’s old age by not placing upper-age limitations on coverage or enrollments, and your premium will not increase because you file a claim.
Happy Pet Parents Trust Spot
Very easy to submit invoices for…
Very easy to submit invoices for reimbursement
The coverage is cost effective
The coverage is cost effective. Submission of claims is easy. Great customer service.
Spot Pet response time.
The response time was indeed timely and appreciated
Reasonable and fair.
Reasonable and fair.
I purchased pet insurance for my dog…
I purchased pet insurance for my dog and cat from Spot one year ago.. I had never had pet insurance before, but with the expense of veterinary care I decided to protect myself and my animals with pet insurance from spot… I could not be happier or more appreciative with them. Both of my animals had unexpected medical issues and.Spot took care of my claims very quickly and paid everything directly to my bank account without question.. I am so thankful for Spot.
The experience with Spot was great
The experience with Spot was great ! The process was very smooth and easy to follow. Send your itemized invoices and you’re good to go .
Had to file our first claim the other…
Had to file our first claim the other day on our little girl Calypso and so glad we had Spot Pet Insurance. She got bit by a rattlesnake and having the insurance definitely helped. So glad we invested in our pet’s health.
Wonderful onboarding for additional pet…
Wonderful onboarding for additional pet !
So far a good experience with the…
So far a good experience with the company they have responded. Kept me up-to-date. Have paid the bills back.
Easy and friendly process
I’ve been a customer of Spot Pet for about a year now. Recently, our furry companion has been experiencing stomach issues and required urgent veterinary care. When we submitted the claim, the insurance company took approximately 2-3 weeks to review it and refund a portion of the bill. The process was incredibly convenient and user-friendly, thanks to the app.
