Frequently Asked Questions

Q: 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.

Q: View a sample policy

You can view our sample policy here: https://spotpet.com/sample-policy/

Q: Can I Sign My Pet Up Anytime?

There’s no Open Enrollment period, you can buy and drop pet insurance at any time. Your pet must be at least 8 weeks old in order to enroll in a pet insurance plan from Spot.

Q: Do Plans Provided by Spot Have a Money-back Guarantee?

Plans provided by Spot offer a 30-day money-back guarantee, so feel free to take a look and see what a SPOT plan can do for you and your pet. If, within the first 30 days of your policy you wish to cancel, you can get a full refund of the premium amount. The 30-day money-back guarantee is available if no claims have been covered. It’s not available in NY or ME.

Q: Does Spot Offer a Plan for Preventive Care Coverage?

Yes, you can add preventive care coverage to your policy for a little more cost. When you add preventive care coverage, you’ll be reimbursed up to the scheduled amount for things that help protect your pet from getting sick. You don’t have to satisfy your deductible before you can be reimbursed for preventive care coverage benefits, and there is no waiting period for them either. Find more information on preventative care coverage here .

Q: What is the Best Age to Insure My Pet?

Plans provided by Spot don’t have an upper age limit for new enrollments or coverage. We advise all pet parents to insure their pets at a young age. You can enroll your pet in a plan from Spot as soon as they’re 8 weeks old. Don’t let your pet develop a “pre-existing condition” before they’re insured.

Q: What is a Pre-Existing Condition?

A pre-existing condition is any injury or illness which occurs or shows symptoms before coverage starts or during a waiting period. A condition is considered pre-existing whether or not it’s been officially diagnosed or treated; all that matters is when it occurred or symptoms first displayed. Plans provided by Spot do not cover pre-existing conditions. However, with pet insurance plans provided by Spot, this doesn’t mean the condition can’t be covered in the future if the condition is curable. An injury or illness that is curable, cured, and free of treatment and symptoms for 180 days will no longer be regarded as pre-existing, with the exception of knee and ligament conditions. If a knee or ligament condition occurs before the coverage effective date or during a waiting period, any future ones won’t be covered.

Q: What Do Pet Insurance Plans Provided by Spot Cover?

Spot Pet Insurance offers options for Accident-Only and Accident & Illness pet insurance plans. Spot plans offer an unlimited annual limit option, no per incident caps, and no lifetime caps. Plans provided by Spot cover the eligible expenses for medically necessary veterinary treatments that are prescribed to treat your pet’s covered conditions. You may use any licensed veterinarian in the US. For a full list of terms and conditions, click here to view a sample policy .

Q: What Do Spot Pet Insurance Plans Not Cover?

For a comprehensive list of policy exclusions and limitations, click here to view a sample policy. Some common exclusions include: Pre-existing conditions Conditions occurring within policy waiting period(s) Day care/boarding Breeding Costs Cosmetic procedures Preventive Care

Q: How Does Pet Insurance Work?

Once you have your custom pet insurance policy and have paid your premium on a monthly or annual schedule, you carry on as usual! When you need to visit the vet for a covered condition, you can submit a claim for reimbursement of the eligible expenses. DEDUCTIBLES Your annual deductible amount applies during each policy period. You must satisfy your annual deductible before your reimbursements start. PAYOUTS You get to select your reimbursement percentage when you enroll in a plan provided by Spot. Once your deductible is met, you will be reimbursed for eligible expenses according to the reimbursement percentage you select. PREMIUMS This is the amount you pay for pet insurance.FETCH A FREE QUOTE to see your premium today. WAITING PERIODS There is a 14-day waiting period for coverage. The waiting period begins on the first effective date of the applicable coverage. Any condition that occurs during an applicable waiting period is a pre-existing condition and is not eligible for coverage. There is no waiting period for preventive care coverage if you choose to add it to your plan. Find more information on preventative care coverage here . PRE-EXISTING CONDITIONS Illness, disease, injury, or change to your pet’s health that first occurs or shows symptoms before coverage is effective or during a waiting period. This includes conditions that are related to, secondary, or resultant from a pre-existing condition. Pet Insurance plans provided by Spot do not cover pre-existing conditions. Visit our dog insurance and cat insurance pages for more information about plans.

Question 1

How are My Pet Insurance Premiums Calculated?

Question 2

View a sample policy

Question 3

Can I Sign My Pet Up Anytime?

Question 4

Do Plans Provided by Spot Have a Money-back Guarantee?

Question 5

Does Spot Offer a Plan for Preventive Care Coverage?

Question 6

What is the Best Age to Insure My Pet?

Question 7

What is a Pre-Existing Condition?

Question 8

What Do Pet Insurance Plans Provided by Spot Cover?

Question 9

What Do Spot Pet Insurance Plans Not Cover?

Question 10

How Does Pet Insurance Work?

Question 11

What is Pet Insurance?

Question 12

Do Spot Plans Offer Pet Insurance Discounts ?

Question 13

Is There a Waiting Period for Pet Insurance?

Question 14

What Medical Records are Needed From My Veterinarian?

Question 15

What if I’m Not Sure About My Pet’s Age?

Question 16

How do I Determine if My Pet Has a Pre-existing Condition?

Question 17

Are there any Types of Incident or Lifetime Caps?

Question 18

Are there Any Age Limits?

Question 19

Can I Get Reimbursed for Routine Teeth Cleanings?

Question 20

Does Pet Insurance Cover Exam Fees?

Question 21

Does Pet Insurance Cover End of Life Expenses?

Question 22

Does Pet Insurance Cover Spaying and Neutering?

Question 23

Can I Cancel an Insurance Claim?

Question 24

Do I Pay Vet Bills Up Front?

Question 25

How Do I Appeal My Claim?

Question 26

What Happens to My Pet Insurance if I Move?

Question 27

Can I Transfer My Policy to a New Owner?

Question 28

Can I Change My Pet’s Coverage?

Question 29

Why Does Pet Insurance Go Up?

Question 30

How Do I Renew My Policy?

Question 31

Can I Add Pets to My Account After I Already Enrolled?

Question 32

Do You Have a List of Veterinarians I Have to Use?

Question 33

Should I Include My Pet’s Medical Records with a Claim?

Question 34

How Can I Find Out the Status of a Claim?

Question 35

How Does My Billing Work?

Question 36