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.
Happy Pet Parents Trust Spot
So far so good!
So far so good! I did a ton of research and went with Spot as I wanted Unlimited coverage at a reasonable rate. They seemed the best. I submitted 2 claims soon after I started this insurance and they paid what I expected. I had cancelled another insurance as they paid pretty much nothing so I am very happy with Spot.
Great job of a quick claim
Great job of a quick claim Turnaround:) It is so great to have a policy that is affordable and truly comes through when you need it. Thank you!!
I have been with Spot for more than 3…
I have been with Spot for more than 3 years. Last year, my dog Akira fell ill a few times, and I submitted a claim each time; all of them were approved.
Excellent pet insurance
I've now insured 4 cats through Spot. When I starting buying insurance for our current two 1-1/2 year old brothers as a precaution when they were still kittens, one of the cats unexpectedly developed some chronic health issues that have already nearly cost $2,000. As with all of our other pets, Spot has reimbursed me for the expenses promptly and without any administrative back-and-forth. I cannot recommend them enough.
Spot has met all expectations
Spot has met all expectations in regards to reimbursement and timeliness. I would highly recommend this company.
Ease of making claims
Ease of making claims; responsiveness and overall service.
Spot is affordable, flexible, and no hidden strings
Spot pet insurance is much more affordable than some of the other options out there, while offering a high quality product that has flexible options to meet the exact plan you want. Pros: - You can essentially create your own plan by choosing your own deductible and reimbursement percentage to get to a monthly premium that you're comfortable with. - The preventative care add on is something I found helpful since we take our dog in for regular check ups. - I have submitted a few claims already and never had any issues with reimbursement/coverage. You can configure direct deposit, and I've always gotten reimbursement within a week or so of submitting. - The app is easy to use and makes submitting claims very easy as long as you have proper documentation. Cons: - The only con is that they do work on a reimbursement method, meaning that you have to pay out of pocket and submit a claim afterwards to receive reimbursement. This can sometimes be tricky because when the vet is asking if you want to move forward with a treatment, you have to make a decision without having 100% confidence that it will be covered. Spot does have transparent documents that show what is and is not covered, but it can still be stressful to make the decision without 100% confidence. In my experience though, everything that I have expected to be covered was covered.
It was a smooth
It was a smooth, simple process to submit the claim. The turnaround time was better than expected.
You were quick to acknowledge the…
You were quick to acknowledge the complaint and take action with your promt response. It’s a great insurance company, I highly recommend you,100%
Timely and fair
Exceptionally clear and timely in their reviews of claims, and eminently fair in their coverage decisions. Best insurance company I've dealt with!
Pet Insurance FAQs
Have questions about pet insurance and how it works? Don’t worry, we’ve got you covered.
