What Does Pet Insurance Cover?

We know your pet is unique with one-of-a-kind needs, that’s why Spot offers affordable pet insurance plan options that you can customize to your budget and specific needs.


Spot plans help you ensure your pet is covered from head-to-tail for unexpected accidents and injuries.


Spot plans can cover exams for qualified illnesses and related treatment, including things like surgeries & medications.


Spot's optional Preventive Care plans focus on routine care and regular check-ups to help ensure their routine wellbeing.


Spot plans may cover behavioral issues, including training for anxiety, aggression & other compulsive behaviors.

What Does Pet Insurance Not Cover?

Pet insurance plays a vital role in helping safeguard your pet's health, covering a spectrum of unexpected accidents and illnesses. But most pet insurance plans do not cover the following:

  1. Pre-existing Conditions

  2. Grooming

  3. Funeral Costs

Spot plans can cover curable pre-existing conditions that have been symptom-free and without treatment for six months, though knee and ligament conditions are exclusions.

Essential Tips for Savvy Pet Parents:

Consider these tips to enhance your experience with pet insurance

What is the waiting period?

Waiting periods begin the day after you purchase your policy and last until your coverage's effective date. Typically, any illness, disease, injury, or change to your pet's health that first occurs or shows symptoms before coverage is effective is considered pre-existing and is not eligible for coverage. Get a quote to learn more about waiting periods in your state.

Which vets can I use?

With a Spot plan you can take your pet to any vet in the U.S. or Canada, including specialists and emergency clinics. Spot plans do not use networks, giving pet parents the freedom to select the best clinic for their pet. Spot offers comprehensive coverage options for unexpected accidents and illnesses. You can also add-on Platinum preventive for coverage on eligible spaying or neutering costs

Preventive Care

Coverage for our optional preventive care add-ons begins just 24 hours after purchase, allowing you to use your preventive benefits almost immediately. These add-ons help cover routine check-ups, dental cleanings, and vaccinations, helping your pet get essential care. Spot's approach prioritizes immediate access to care, reflecting our commitment to your pet's well-being.

Submitting claims is easy

Once you visit your vet, submit a claim via our app or through the member center. Make sure you include any necessary documentation. Most claims are processed in less than 3 days, and reimbursements will be paid either via direct deposit or a check, whichever you prefer. Our helpful customer service representatives are available to answer any questions you may have.

What Do Spot Pet Insurance Plans Cover?

Spot offers two main plans: Accident & Illness and Accident Only. You can add an optional Preventive Care plan as well.

Plan Options
eligible diagnostics and treatments for costly accidents and illnesses:
Vet Exam Fees

Vet Exam Fees

Microchip Implantation

Microchip Implantation

Behavioral Issues

Behavioral Issues

X-rays & Tests

X-rays & Tests

Emergencies & Hospitalizations

Emergencies & Hospitalizations

Skin, Eye, and Ear Infections

Skin, Eye, and Ear Infections

Hereditary Conditions

Hereditary Conditions

Dental Illnesses

Dental Illnesses

Preventive Care for Your Pet

Regular veterinary check-ups included in preventive care plans can help with the early detection of potential health issues in pets.
Timely identification enables prompt intervention and can lead to more effective and less costly treatments in the future.

Early Detection

Early identification can help with potential health issues, which can lead to prompt intervention and improved treatment outcomes.

Disease Prevention

Vaccinations and preventive measures can protect pets from common and serious diseases, helping ensure their overall well-being.

Cost Savings

Proactive care can help prevent costly treatments by addressing health concerns before they escalate, potentially saving money & suffering.

Long-Term Health

Regular check-ups, vaccinations, nutrition, dental care, and preventive medications can contribute to a pet's overall health, longevity, and higher quality of life.

Behavioral Well-Being

Preventive care can support behavioral health, helping address issues early and fostering a harmonious relationship between pets and their owners.

Peace of Mind

Knowing that a pet can receive regular preventive care helps provide owners with peace of mind that they are actively contributing to their pet's health.

Pet insurance that’s easy!

Spot makes it simple for pet parents to submit a pet insurance 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

Send us your bill online, in our app, or via fax.


Get Paid!

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

A blank white screen on a mobile device.

We Take Care of Our Pack

Enjoy unique discounts on curated pet products, 24/7 access to a dedicated pet
telehealth helpline, and a rewarding Refer-a-Friend program that can reward you up to $500 per year.*

As part of our mission to help pets lead happier and healthier lives, we’ve sourced the best deals for you and your pet.

  • Discounts on Pet Products and Services

  • Curated list of offers for easy access

  • Variety of Brands and Services

Get unlimited, 24/7 virtual pet care for everything from nutrition advice to behavioral guidance for your pet.

  • Access to 24/7 vet experts

  • Call or chat options available

  • Ask any question about your pet’s health

Spot has a rewarding Refer-a-friend program that can reward you up to $500 per year* by referring your friends.

  • Earn Rewards

  • Help your friends

  • Simple and hassle-free


Happy Pet Parents Trust Spot

Pet Insurance FAQs

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

How are My Pet Insurance Premiums Calculated?

In general, your premium is based on your pet’s age, your pet’s breed, and where your pet lives. Some other factors that impact your premium are: the plan you choose, your deductible, your reimbursement percentage, if you have included preventative care coverage or not, and the discounts for which you are eligible.

What is a Pre-Existing Condition?

 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.

Plans provided by Spot do not cover pre-existing conditions. However, with pet insurance plans provided by Spot, this doesn’t mean the condition can’t be covered in the future if the condition is curable. An injury or illness that is curable, cured, and free of treatment and symptoms for 180 days will no longer be regarded as pre-existing, with the exception of knee and ligament conditions. If a knee or ligament condition occurs before the coverage effective date or during a waiting period, any future ones won’t be covered.

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. 

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.

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.

We lead the pack.

Get Pet Insurance Today!