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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
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
Navigating their website for submission…
Navigating their website for submission of claims is easy. Reimbursement for my claims got deposited into my account in only a few days after I submitted my claim. It was a fast and easy process. Their monthly premium payment is reasonable. Thank you!
The process of filing the claim was…
The process of filing the claim was easy and straightforward.
Excellent pet insurance
Very good with communication and fast at resolving open claims. Good value also.
I've loved my experience with Spot!
I've loved my experience with Spot! No other company such an understanding policy surrounding pre-existing conditions. Also, Spot has always received and processed most of our claims within a week or a few days and we are so grateful for it!
Quick easy claim process.
Quick easy claim process.
I just obtained Spot Pet Insurance for…
I just obtained Spot Pet Insurance for my two dogs… First time I've ever had pet insurance in my life… Filled out the claim form post vet visit for a sick dog and check is on its way to me… only took 7 to 10 days… I've met my deductible!
Our claims were resolved very quickly
Our claims were resolved very quickly! Downloading invoices was so easy and the response to claims was super fast. We had a different insurance company and they were so difficult to work with and accepted no claims. So glad we found Spot they are amazing.
The experience was smooth
The experience was smooth. I just uploaded the vet bill and days later I had a direct deposit. I was already worried about my dog and this was one less thing I didn’t have to worry about.
The experience with Spot Pet Insurance…
The experience with Spot Pet Insurance has been excellent. The website is easy to use and if I have a question, the people on the phone have been very helpful. I am extremely satisfied with my recent claim and the amount I received from Spot. The monthly payments more than cover my pet expenses this year.
Quick response to claims
I submitted claims for my dogs surgery, and a few days later it was settled. Check is in the mail. Response time was great.
*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.