Spot Pet Insurance – Spot Pet Rx Program Exclusively for Sam’s Club Members

Terms and Conditions


Effective Date: June 25, 2025

These Terms and Conditions (“Terms”) govern your access to and use of the Spot Pet Rx Program or “Program” provided by Spot Pet Insurance Services, LLC (“Spot,” “we,” or “us”), in collaboration with Sam’s West, Inc. (“Sam’s Club”).

By participating in the Program, you agree to these Terms. Please read them carefully.

1. Eligibility

The Spot Pet Rx Program is available to active Spot Pet Insurance policyholders (“Policyholders”) whose policies are in force in all U.S. states excluding Virginia. Participation also requires an active Sam’s Club membership. Eligibility is subject to verification by Sam’s Club and/or its designated processor at the time of prescription fulfillment.

Sam’s Club does not operate retail locations in: Alaska, District of Columbia, Massachusetts, Oregon, Rhode Island, Vermont, and Washington. Additionally, Sam’s Club locations in North Dakota do not operate pharmacies. Eligible Policyholders in these states may be able to access the Program at participating Sam’s Club pharmacies in neighboring states, though availability is not guaranteed. In these cases, eligibility is subject to Sam’s Club pharmacy policies and applicable state laws regarding out-of-state veterinary prescriptions. Contact your nearest participating Sam’s Club pharmacy to confirm participation, prescription availability, and pricing in this Program.

1.1 U.S. Territories

Spot Pet Insurance plans are only available for purchase by residents of the 50 U.S. states and the District of Columbia. Residents of Puerto Rico or other U.S. territories are not eligible to enroll in a Spot Pet Insurance plan and are therefore unable to participate in this Program.

2. Covered Drug List

Policyholders have access to a curated list of eligible veterinary prescription medications (“Covered Drug List”) with special Program pricing through participating Sam’s Club pharmacies.

  • Only drugs listed on the Covered Drug List are eligible for Program pricing under the Spot Pet Rx Program.

  • All other medications will be charged at Sam’s Club’s standard retail pricing and are not eligible for Program pricing.

  • Over-the-counter products, supplements, and non-prescription items are excluded.

Policyholders must notify Sam’s Club Pharmacy within two (2) business days of receipt regarding any discrepancy on the Price List. If a Pricing Error is confirmed by Sam’s Club, Sam’s Club will provide a refund to any Policyholders affected by the Pricing Error.

3. Prescription Fulfillment

Prescriptions must be written by a licensed veterinarian in accordance with applicable state laws and filled at a participating Sam’s Club Pharmacy.

Sam’s Club Pharmacists reserve the right to exercise professional judgment in the filling of prescriptions. Dispensed quantities may be prorated and/or adjusted in accordance with state regulations and pharmacy protocols. Program pricing is based on standard dosage and quantities.

3.1 Accessing the Program Pricing

To access Program pricing, eligible Sam’s Club members & Spot Policyholders must present:

  • Their active Spot Policyholder Membership ID card or any other valid form of Spot account number identifier; including but not limited to providing their Policy account number displayed in the Spot App or Online Member Center.

  • A valid prescription for a pet medication included on the Covered Drug List.

Program benefits are applied at participating Sam’s Club pharmacy locations upon successful eligibility verification. Availability of specific medications may vary by location and is not guaranteed. Prices are non-transferable and available only at Sam’s Club pharmacies. This offer may not be combined with other offers. Program prices listed as the prescription benefit are based on common quantities of medication. If the quantity of medication filled is more than the common quantity of the medication pricing may vary.

The Spot Pet Rx Program is not insurance and does not provide reimbursement or coverage for prescription costs. Program prices are returned at point of sale only at physical participating Sam’s Club pharmacies. Policyholders may still choose to submit a claim for eligible prescription medications purchased at a price through this Program. Such claims will be reviewed and processed in accordance with the terms, conditions, and coverage limits of the Policyholder’s active Spot Pet Insurance policy.

Reimbursement is not guaranteed and is handled separately from the Spot Pet Rx Program. Reimbursement is based on the Program price paid by the Policyholder, not the full retail price of the prescription drug. Any questions regarding Spot Policies or claims should be directed to the Spot Customer Service team.

4. Program Changes

Spot and Sam’s Club may update the Covered Drug List, Program prices, or Program availability at any time. Changes will be posted on the Covered Drug Webpage with at least fifteen (15) days’ notice.

Spot will notify Policyholders through their preferred communication method on file when updates are made. Continued participation in the Program after such updates constitutes acceptance of the revised terms.

5. Privacy

To verify eligibility and facilitate access to the Spot Pet Rx Program, Spot shares limited Policyholder information with Sam’s Club and its designated third-party processor solely for eligibility verification and Program administration purposes.

Neither Sam’s Club nor its processor may use this information for marketing or any other unauthorized purposes. All data will be handled in accordance with Spot’s Privacy Policy, Sam’s Club Member Privacy Notice, and all applicable laws.

6. Disclaimers & Limitations of Liability

The Program is provided "as is" without any warranties, express or implied. Sam’s Club and Spot Pet Insurance make no representations regarding the continued availability of Program pricing. Neither Sam’s Club nor Spot Pet Insurance shall be liable for any damages, losses, or claims arising from participation in the Program, including but not limited to errors in pricing, availability, or fulfillment of prescriptions.

The Program does not replace professional veterinary advice. Always consult your veterinarian before purchasing or administering any medication.

6.1. Termination & Modifications

Spot and Sam’s Club reserve the right to modify, suspend, or discontinue the Program at any time without prior notice. Any misuse of the Program, misrepresentation of eligibility, or violation of these Terms may result in immediate termination of Policyholder access to the Program. If the Program is terminated, participants will no longer be eligible for Program pricing, and no further obligations will be owed to them.

6.2. Governing Law

These Terms shall be governed by and interpreted in accordance with the laws of the state in which the participant resides, without regard to conflict of law principles.

7. Contact Information

Spot Pet Insurance (Program Eligibility and Policy or Claims Questions)

Sam’s Club (Prescription Fulfillment and Pharmacy Inquiries)