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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
I highly recommend Spot Pet Insurance…
I highly recommend Spot Pet Insurance My dog recently needed surgery, which was already a very stressful experience, but Spot made the insurance part so much easier. Submitting my claim was quick and easy, and I was very impressed with how fast I received my reimbursement. Having that financial support during such an unexpected situation gave me a lot of peace of mind. Spot made the whole process simple and stress-free when I really needed it. I’m so glad I chose Spot for my dog’s insurance and would definitely recommend them to other pet parents!
I bought the Platinum Insurance for my…
I bought the Platinum Insurance for my puppy. I submitted the paperwork for vet visit.They paid the bill for my puppies shots, visit and heartworm med all within 2days . Great Company and friendly associates!
They processed my claims in a timely…
They processed my claims in a timely fashion.
Very easy to submit claims and you hear…
Very easy to submit claims and you hear back in a timely manner. It is a stress free way to have coverage for your beloved pet. If only human insurance could be this easy.
Another satisfied customer.
Was supportive and far in their reviews and paid back nicely. Preventive care is one of their concerns and they reward well to support your pets life care needs.
Easy to submit claims with a fast…
Easy to submit claims with a fast response
Easy Process
The process of submitting a claim was very easy and quick. My claim was processed within a matter of a few days, and my refund was deposited into my account quickly as well. Overall a very smooth and easy process.
Murphy’s teeth cleaning
Easy process!
Spot offers more for the money
Spot offers more for the money. Their claims process is so easy and are quick with reimbursement. I am very happy with my service so far.
This is our first time getting pet…
This is our first time getting pet insurance. It was very easy going online and getting a monthly price. I had a few questions and do I called the customer care phone number. Star was amazing! She answered all of my questions and put me to ease. She also helped me register! We have already seen the vet for our pies wellness exam and round of shots. We uploaded the information needed and heard a response quickly from Spot that our claim was accepted. So far, Spot has been a pleasure to work with! Thank you!
