Van Valen Associates | Spot Pet Insurance

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 and Canada. For a full list of terms and conditions, click here to view a sample policy .

Q: Can I Get Reimbursed for Routine Teeth Cleanings?

Base level plans provided by Spot do not cover routine teeth cleanings. However, Spot accident & illness plans cover treatments for dental illnesses . The only treatment covered for dental accidents is tooth extractions. To get reimbursed on routine cleanings for your dog or cat’s general wellbeing, you’ll need to add preventive coverage to your base plan for a little extra cost per month. Learn more about dental coverage for dogs and cats .

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

Plans provided by Spot do not cover pre-existing conditions. 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.

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: Does Pet Insurance Cover Exam Fees?

Not all pet insurances cover exam fees . Spot plans cover exams for covered conditions. Routine wellness exams are not covered by base level plans provided by Spot, and they are only covered under Spot’s Preventive Care plans, which you can add on to your base level plans for a little extra cost.

Click For Price_{**10% strategic partner discount on every pet, or 5% in LA, NE, TX, VA, and WA, not available in FL, HI, MN, and TN. Plus a 10% multi-pet discount on all additional pets added after the first. More information at checkout.}

A woman sits on the floor indoors smiling at a dog in an orange bandana and a cat.

Pet insurance that’s easy as 1-2-3.

Spot makes it simple for pet parents to submit a claim and receive reimbursement for eligible services in just a few days.

Visit Any Vet

No vet restrictions! Visit any vet in the U.S. or Canada.

Submit Your Claim

Submit your claim online or through our mobile app – it’s quick and easy.

Get Paid!

Get cash back quickly for covered vet bills either direct deposit or check – you pick.

What do Spot Pet Plans Cover?

Plan Options

eligible diagnostics and treatments for costly accidents and illnesses:

Vet Exam Fees

Microchip Implantation

Behavioral Issues

X-rays & Tests

Emergencies & Hospitalizations

Skin, Eye, and Ear Infections

Hereditary Conditions

Dental Illnesses

Vet Exam Fees

Microchip Implantation

Behavioral Issues

X-rays & Tests

Emergencies & Hospitalizations

Skin, Eye, and Ear Infections

Hereditary Conditions

Dental Illnesses

Digestive Illnesses

Hip Dysplasia

Cancer & Growths

Infectious diseases & diseases from parasites

Orthopedic

Swallowed Objects & Toxins

Diagnostics & Treatments

Prescription Medications

Surgery & Specialized Care

Advanced Care

Virtual Vet Visits

Alternative Therapies (e.g. Acupuncture)

Affordable Plans 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.

Simple orange cartoon cat face with blue outlines, round eyes, a heart-shaped nose, and whiskers, set against a light background.

Cat & Kitten Plans

as low as

$9/mo¹

Check Pricing

Simple illustration of a dogs face, colored orange with blue outlines, featuring floppy ears, round eyes, and a heart-shaped nose.

Dog & Puppy Plans

as low as
$15/mo²

Check Pricing

View Sample Policy

They've got your back. Why not cover theirs?

Life is full of surprises. Spot helps pet parents plan for the unexpected through easy and reliable pet insurance options that can be used at any licensed vet in the US or Canada. Enroll your Pet with Spot and get up to 90% cash back on eligible vet bills.

Check Pricing

Why Choose Spot Pet Plans?

Trusted by
Pet Parents

Rated Excellent
4.6/5 Stars

Recognized
by Forbes

5-Star Rated

Committed to
Helping Pets

$5.7M

avg. claims
paid /month³

Swipe

Happy Pet Parents Trust Spot

Rated 4.6 / 5 based on 12,122 reviews

Easy Claim Service.

Catherine Knapp

First time using my insurance

First time using my insurance. Was easy and quick reimbursement.

David Garcia

Quick turnaround and no hesitation in…

Quick turnaround and no hesitation in paying claim

Brenda

Excellent service

Excellent service. Reimbursement & filing of claims were seamless & outstanding. I will definitely will recommend this insurance and will get all our pets insured through them. They have also an impressive customer service too.

Faith

I am very happy with Spot pet…

I am very happy with Spot pet insurance, and so is Rocky. His recent injury is a very stressful time in our lives. At least processing the claims has not added to the stress. Thanks!

Steven Zall

Claim processing was quick and without…

Claim processing was quick and without any hassle or follow-ups

Saswati Sen

Amazing and fast service!

Annie Mehne

I was very happy with Spot Pet…

I was very happy with Spot Pet insurance in handling my claims. They make it very easy to file a claim and are quick to review and settle it. Thanks

Richard Breunig

So far I have only needed to claim…

So far I have only needed to claim yearly physicals. The claim payments dropped into my account in just a few days after I submitted photos of my vet bills.

Stefani Monn

When I filed a claim they paid as I…

When I filed a claim they paid as I expected based on the states benefits. I didn’t have to jump through hoops of battling whether anything was a preexisting condition. While I pay more monthly than I wish, I got the coverage I expected.

Sherry

Pet Insurance FAQs

Have questions about pet insurance and how it works? Don’t worry, we’ve got you covered.

Click For Price**10% strategic partner discount on every pet, or 5% in LA, NE, TX, VA, and WA, not available in FL, HI, MN, and TN. Plus a 10% multi-pet discount on all additional pets added after the first. More information at checkout.

Pet insurance that’s easy as 1-2-3.

Visit Any Vet

Submit Your Claim

Get Paid!

What do Spot Pet Plans Cover?

Affordable Plans for Dogs & Cats

Cat & Kitten Plans

Dog & Puppy Plans

They've got your back. Why not cover theirs?

Why Choose Spot Pet Plans?

Trusted byPet Parents

Rated Excellent4.6/5 Stars

Recognizedby Forbes

5-Star Rated

Committed toHelping Pets

$5.7M

Happy Pet Parents Trust Spot

Easy Claim Service.

First time using my insurance

Quick turnaround and no hesitation in…

Excellent service

I am very happy with Spot pet…

Claim processing was quick and without…

Amazing and fast service!

I was very happy with Spot Pet…

So far I have only needed to claim…

When I filed a claim they paid as I…

Pet Insurance FAQs

What do Pet Insurance Plans provided by Spot cover?

Can I Get Reimbursed for Routine Teeth Cleanings?

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

What is the Best Age to Insure My Pet?

Does Pet Insurance Cover Exam Fees?

Click For Price_{**10% strategic partner discount on every pet, or 5% in LA, NE, TX, VA, and WA, not available in FL, HI, MN, and TN. Plus a 10% multi-pet discount on all additional pets added after the first. More information at checkout.}

Trusted by
Pet Parents

Rated Excellent
4.6/5 Stars

Recognized
by Forbes

Committed to
Helping Pets