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Spot's Pet Insurance Plans with Illness Coverage
Illness insurance coverage is designed to help give you peace of mind when your pet isn't feeling their best. From sniffles to more serious conditions, we're here to help support you through it all. Explore our accident and illness plan options and find the right fit for you and your beloved companion.
Illness Insurance for Pets
Illness coverage may be a perfect fit for the proactive pet parent who wants to help ensure their furry friend is covered in case of health hiccups. If you're the kind of pet parent who keeps a close eye on your pet's well-being, and wants help preparing for potential health issues, illness coverage may be a good fit for you.
Pet Insurance with Surgery Coverage
For the pet parent who wants to be ready for the unexpected, surgery coverage may offer an extra layer of protection. Whether your pet is a high-energy adventurer or a laid-back companion, this insurance coverage can help ensure you're equipped to handle life's surprises, so your pet can get back to their happy, healthy self in no time.
Pet Insurance with Prescription Coverage
Just like humans, pets can face health challenges that may require medication to help manage conditions, alleviate pain, or aid in recovery. With prescription coverage, you may have coverage for the eligible costs of necessary medications, helping you to focus on what truly matters: the well-being of your pet.
Is There Pet Insurance That Covers Everything?
The highest level of pet insurance coverage that people could get with Spot is an accident and illness plan with a preventive care add-on. This kind of pet insurance plan is useful because it can help cover both unexpected accidents and complications that stem from illnesses. On top of this, the preventive care add-on can cover eligible vet expenses related to routine care and wellness exams. Having this level of pet insurance helps you cover many vet expenses - both unexpected and routine.
Does Pet Insurance Cover Dental Illnesses?
Some illnesses have to do with your pet’s oral care. The amount of reimbursement a pet owner gets for dental care depends most on the level of care that they elect to get. For example, opting for the wellness add-on can help you cover many eligible vet expenses like regular dental checkups. On the other hand, those who opt for an accident-only plan may be reimbursed for some unexpected dental accidents.
What Can Illness Pet Insurance Cover?
Pet parents with accident + illness policies cover a wide range of conditions. Some examples of illnesses that can be covered by pet insurance plans include:
Skin, eye, & ear infections
Cancer & growths
Behavioral issues
Congenital & Hereditary Conditions
Dental illnesses
Coverage for Flea and Heartworm Medications
Our team understands that prevention is just as important as treatment, which is why our Platinum preventive add-on offers coverage for eligible flea and heartworm medications. By covering the eligible cost of flea and heartworm preventatives, we help you keep your pets protected and comfortable all year round.
Why Can Fleas be Dangerous?
Fleas pose significant dangers to dogs, going beyond mere discomfort and itching. These parasites can transmit serious diseases, such as typhus and tapeworms, which can lead to severe health complications. Additionally, the presence of fleas can lead to secondary conditions and contribute to a generally weakened immune system, making dogs more susceptible to other illnesses.3
Affordable Plan Options for Dogs & Cats
Life is full of surprises. Spot helps pet parents plan for them through easy and simple pet insurance options that can be used at your licensed vet in the US or Canada.
Illness Insurance FAQ
Is Pet Illness Insurance Coverage Worth It?
Yes, pet illness insurance can be worth it for many pet parents. Pets, like humans, can unexpectedly fall ill or develop chronic conditions that can require ongoing medical care. Veterinary bills for treatments, surgeries, and medications can quickly add up, potentially causing financial strain. Pet illness insurance can provide a safety net, helping ensure that you can afford care for your pet with less worries about the high costs.
What is the Difference Between Accident and Illness Pet Insurance Coverage?
Accident and illness pet insurance can both provide crucial coverage for your pet, but they address different types of situations. Accident insurance typically covers unexpected injuries resulting from incidents such as broken bones, cuts, or ingestion of foreign objects. On the other hand, illness pet insurance can cover a wide range of medical conditions, from minor infections to serious diseases like cancer or diabetes.
What Types of Pet Insurance Plans Does Spot Offer?
Spot offers accident-only and accident and illness base plans, as well as two optional preventative care add-ons.
Our accident-only plan can help cover the eligible costs for unexpected vet bills related to accidents including coverage for vet exam fees, hospitalizations, prescription medications, and more.
Spot's accident and illness plans include all the benefits of an accident-only plan and can also help cover the eligible costs for conditions including; hereditary illnesses, digestive issues, cancer, alternative therapies, and more!
Our preventative care add-ons can help cover the eligible costs of routine veterinary services including vaccines, dental cleanings, flea and heartworm preventatives, and more!
Happy Pet Parents Trust Spot
Great Customer Service & Solid Support!
Great customer service & they hold up to their word. They helped me with my Oreo through it all. TY
It was easy to file a claim and the…
It was easy to file a claim and the follow up to customer service gave all additional information I needed. Once all the documents were received and reviewed I was paid promptly through direct deposit.
Quick response
Quick response
Great Experience
Helpful and efficient
Efficient!
Quicks efficient processing of claims
hopefully waiting for re-embursement on…
hopefully waiting for re-embursement on vet. appt
Great experience
Great experience! Has helped me out so very much with my unexpected expenses. Everything has been smooth sailing. Very very appreciative
Spot Pet Insurance vs. my experience with another company
I’ve done a ton of research on pet insurance and was with another company previously but when it came down to actually utilizing the old insurance, they only covered about 10% of the bill when I had 100% reimbursement due to their coverage restrictions. So I chose to switch to Spot Pet Insurance, since I heard great reviews and they gave a multi-pet discount. I have had zero issues with this company. Easy, simple claim process and I receive a decision within a week or so and get the reimbursement that I expect with my selected coverage the following business day. I’ve had this insurance for a couple years and plan to continue covering all three of my pets (and future pets) with Spot, as long as I continue to receive this type of quality care. Great company! Would definitely recommend to anyone wanting to make sure your pets are well taken care of, no matter the cost.
Get spot!
Buying pet insurance isn't fun. I was researching for days and finally decided on Spot. This was 2 yrs ago when my cat was 6 yrs old. I never thought I'd have to use insurance to the extent that I did. When he turned 8, he was diagnosed with large cell lymphoma. We got x-rays and bloodwork done. Found out that he was not a fit for chemotherapy, so we had to put him down. Spot paid for the x-rays, bloodwork, medication, office visits after the diagnosis. I just submitted the euthanasia visit, which I'm not sure how much of it will be covered, but thus far, I am impressed with how much this insurance had saved me. I'm glad I bought spot. I paid a little over $32 a month. It was to cover accidents and illnesses where they would pay up to 90% of the bill after the $750 deductible. So far, they reimbursed me over $1600. Hoping they will cover the rest of my claims. If they do, I will definitely use them again in the future.
Prompt claim payment
Prompt claim payment
*Exam fees for wellness or annual exams are not covered unless you have purchased the optional preventive care coverage
(1) Advertised premium is based on an accident and illness plan with an 80% reimbursement rate, $750 annual deductible, and a $2,500 annual limit for a 2-year-old mixed cat in 32009. Plan costs vary.
(2) Advertised premium is based on an accident and illness plan with an 80% reimbursement rate, $500 annual deductible, and a $2,500 annual limit for a 2-year-old small mix (11-25lbs) in 32009. Plan costs vary.
(3) “Flea Bites: 4 Diseases These Parasites Can Spread.” PetMD, PetMD, www.petmd.com/general-health/flea-bites-diseases-these-parasites-can-spread, May 5, 2024.