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Spot's Pet Insurance Plans with Illness Coverage
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 expenses for 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
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
Paid my vet fees as agreed to fast
Paid my vet fees as agreed to fast, simple and effortlessly. I would recommend Spot Insurance to anyone with a puppy they love--Thank you Spot!!!
Great Customer service and the speedy…
Great Customer service and the speedy turn around claim reimbursement is awesome. I was reimbursed within 3 days. I have a background in HR and man oh man I've never seen consistency like this ever. Thank you for helping me take care of my furrbies.
Quick and easy reimbursement
Quick and easy reimbursement
Easy to work with
Spot makes it easy to file a claim and they're fast in processing it.
Quick and easy claim process
The online claim submittal was easy, and they communicated quickly about the status. Start to finish was less than a week!
Claims are processed very quickly.
Claims are processed very quickly.
Easy claim process and very quick
The claim process is quick and easy. I feel that Spot always has mine and Ghost interests in mind. I feel comfortable knowing that Ghost is always taken care of.
Easy to use and fast repayments.
Easy to use and fast repayments.
Best insurance
I've been going through a difficult process with my pet, exams, diagnoses, recovery processes, and with SPOT I've had some relief, because they have covered 80% of all my expenses. I will continue with SPOT and I recommend this insurance.
Excellent and convenient 🥰
Excellent and convenient 🥰
*Exam fees for wellness or annual exams are not covered unless you have purchased the optional preventive care coverage
(1) Advertised premium is from 12.11.24 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 33801. Premiums may vary due to plan options such as annual limit, co-insurance, and deductible, as well as your pet’s breed, age, and location. Quotes at purchase will reflect these factors and your specific selections. Premiums are based on and may increase or decrease due to the age of your pet, the species or breed of your pet, and your home address.
(2) Advertised premium is from 12.11.24 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. Premiums may vary due to plan options such as annual limit, co-insurance, and deductible, as well as your pet’s breed, age, and location. Quotes at purchase will reflect these factors and your specific selections. Premiums are based on and may increase or decrease due to the age of your pet, the species or breed of your pet, and your home address.
(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.