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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
Greatly appreciate that Spot reached…
Greatly appreciate that Spot reached out directly to vet instead of having to make multiple phone call to office and upload several documents. Quick reinbursement
First claim for well visit was super…
First claim for well visit was super simple and direct deposit arrived within 72 hours of initiating the claim.
Claim submission is easy and vet access…
Claim submission is easy and vet access 24/7 is very convenient.
Incredible service for my dog
I got spot after my dog tore us Crucial Ligament. They have been great supporting treatments and rehab, and allowed me to prolong my time with my best friend
The claim was processed immediately and…
The claim was processed immediately and updates let us know the progress. We were very pleased that there were no delays or hassles.
Spot has been a great pet insurance…
Spot has been a great pet insurance company to deal with. I recently had a very sick dog that needed emergency care twice in 2 days. The first claim was approved almost instantly and the second claim was approved a few days later. I’m so glad I chose them for Daisy’s insurance.
I just adopted a 6 yr old Female French…
I just adopted a 6 yr old Female French Bulldog, everyone was like vets make a lot off of this breed so was a bit nervous, decided to invest in insurance, took her in for checkup and shots and got clean bill of health, I figured as much as she is such a beautiful dog and looks so good and healthy, Sent in my claim of vet fees and was reimbursed within just a couple of days
This was my first claim and I was…
This was my first claim and I was worried, but they covered everything they said they would, so knock on wood I never have to use them again, but I won’t be stressed if I do. In this day and age, thank you for doing what you said you would. Also, my pup is back to 100%.
Very quick response to claim
Very quick response to claim and NO hassles Great Service Thank you Frederick M
Claims were easy to process.
Claims were easy to process.
