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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
Reasonable price and good cash return…
Reasonable price.and good cash return on my first vet invoice. Spot.reimbursed over 50% of our first visit. In our bank account in just days. Reassuring that Spot has us covered go keep pet cost under control.
Great rates and Cust svc
Great rates and Cust svc , Lana was wonderful
The time to process my claim was very…
The time to process my claim was very quick! Thank you.
Excellent customer service!
Excellent prompt customer service and reimbursement. Very pleased!
Thanks for services.
Thanks for services.
Fast Response
Fast Response with payment
Seamless app
Seamless app, easy to work with, they actually pay claims.
submitting my clasim and getting…
submitting my clasim and getting reimbursed was easy peasy.
Easy to use!
Easy to use! Instructions are easy, people always available to help
Fast and easy to navigate app with…
Fast and easy to navigate app with good communication when needed
