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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?
What is the Difference Between Accident and Illness Pet Insurance Coverage?
What Types of Pet Insurance Plans Does Spot Offer?
Happy Pet Parents Trust Spot
Effortless Pet Insurance
Effortless
Company that’s actually a pleasure to do business with…
Spot is a great company to deal with regarding my pets care. No one wants to have to take their pet to the vet for an illness, but when you do it’s comforting to see how effortless and easy filing a claim wuth spot can be. Will remember to tell my friends and neighbors how good it is to deal with this company.
Efficient
My claim was taken care of in a timely manner. The online questions were easy to answer and submit.
Making a claim was fast and easy
Making a claim was fast and easy. I was impressed and happy to receive a check which was deposited to my checking account in a week.
User friend and fast customer service
We have had to use our insurance once so far but Spot made it easy and without any difficulty. They were quick to review and respond to our requests.
Best Pet Insurance I have had
I have had half a dozen pet insurance companies. Spot is the first that took the time to review my dogs records and issue reimbursement based on the information given. They were able to discern from what was a pre existing condition and a new problem. Payment is quick and timely. I have Wellness as an add on and it’s nice to get reimbursement for varies vaccinations and services.
Straightforward
Ease of submitting the claims, very straightforward.
Timely reimbursement
Spot has processed the reimbursement for Coyote's preventive care in a timely way.
SPOT has been a good choice!
First time having Pet Insurance. I reviewed many companies and found SPOT highly rated. Even though our Vet care doesn't submit claims directly to SPOT, I found the claims are easy to submit online, processed quickly and reimbursements can be deposited quickly & directly into our bank account. ( If you prefer a check, they mail it to you. ) SPOT Insurance was a good choice for us!
Fast and Efficient Claims Process
I'm newer to Spot, but I did have high expectations of service given my experience with another Pet Insurance company. I hadn't had to make a claim, so it was hard to make the comparison until now. I took our dog to urgent care on a Sunday night (nightmare!), filed the claim when we returned home, and the reimbursement posted to our account within the week. Thank you, Spot, for making the claims process so easy following a stressful night with our good, and healthy again, boy!
*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.