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.
Accident
Spot plans help you ensure your pet is covered from head-to-tail for unexpected accidents and injuries.
Wellness
Spot's optional Preventive Care plans focus on routine care and regular check-ups to help ensure their routine wellbeing.
Behavioral
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:
Pre-existing Conditions
Grooming
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.
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)
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.
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
Very satisfied
Spot has been wonderful and prompt with claims I've had to submit. They are true to their word and having them eases my mind with my pups.
The process was clear and easy to do
The process was clear and easy to do. I got my reimbursement really quickly.
Fast Claim Settlement
Submitted claim online which was very easy. Notified claim was paid with a week. Outstanding! No questions asked.
Always a good experience
Always a good experience
The claims process is simple
The claims process is simple and reimbursement is timely! I would 100% recommend this pet insurance!
Super fast claims
Super fast claims. Simple from start to finish. And they cover a lot for not an extreme amount monthly. Definitely recommend
So far so good
So far so good. They reimbursed everything I submit within a week. I haven’t had any problems yet so I renewed for another year.
Easy Peasy
The app made it so easy to submit and track on my claim. Reimbursement was received in a timely manner.
They were there for us when we needed…
They were there for us when we needed it.
Great insurance!
I recently filed a claim for a non-cancerous tumor for my dog. It was easy to file and attach documents through the app. The claim was processed and paid quickly. I’m so glad I have this insurance.
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 monthly premium is based on your pet’s age, breed, and your location, as well as your plan configuration. Spot allows pet parents to choose a deductible, reimbursement rate, and annual limit from a variety of options, each which play into the cost of your monthly premium. Opting into a preventive care add-on or eligibility for a discount can also affect the price of your premium.
Read more: How Much is Pet Insurance?
What is a pre-existing condition?
A pre-existing condition is any injury or illness that occurs or begins to show symptoms before your pet’s coverage starts or during the policy’s waiting period. A condition can be considered pre-existing whether or not it has been diagnosed or treated by a vet; all that matters is when it occurred or first began to show symptoms.
Spot plans do not cover pre-existing conditions. However, an injury or illness that is curable, cured, and free of any treatment or symptoms for 180 days, will no longer be regarded as pre-existing, with the exception of knee and ligament injuries. If a knee or ligament condition occurs before the coverage effective date or during the waiting period, future ones will not be covered. Learn more about what pet insurance does not cover here.
Read More: What Does Dog Insurance Cover?
Can I get reimbursed for routine teeth cleanings?
Spot does not cover routine teeth cleanings under our base plans. However, if you choose to purchase an optional preventive care add-on with your base plan, you can get cash back for your pet’s routine teeth cleanings.
What is the best age to insure my pet?
Spot plans don’t have upper age limits for new enrollments or coverage. We advise all pet parents to enroll their pets as soon as they are eligible, at 8 weeks old. This lowers the change that your pet may develop a “pre-existing condition” which will then not be eligible for coverage once they are insured. Read more about insurance for multiple pets here.
Does pet insurance cover exam fees?
While not all pet insurance providers will cover exam fees, Spot plans cover exam fees for covered conditions.
Routine wellness exams are not covered under Spot’s accident-only or accident & illness base plans but are covered under Spot’s preventive care add-ons, which can be purchased for a small monthly fee.
