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
My dog had ligament surgery
My dog had ligament surgery. I submitted the claim, got my reimbursement,in a very timely matter. Very satisfied.
We have submitted 2 requests for…
We have submitted 2 requests for potential coverage and are very pleased with the speed of the response and the monetary amount of the coverage.
This insurance saved my dogs life
This insurance saved my dogs life. We have an 8 year old Golden Retriever "Kali" who came down with a spontaneous pneumothorax. Without this insurance, there is no way that we would've been able to justify or afford the $13k for the surgery, a week in ICU and all the additional charges for the hospital stay. This gave us peace of mind that we would be reimbursed for most of the charges. Within 10 days of submitting all the claims, we were reimbursed. I now tell everyone that will listen to get pet insurance. We never wanted to be put in a situation where we had to make a decision on their life due to money. This was one of the best decisions we've ever made. Now Kali is running around like none of this ever happened
Amazing pet insurance
Spot truly has saved my pocket and I appreciate the services provided. All around great pet insurance! Thank you Spot!
Such helpful and friendly guidance…
Such helpful and friendly guidance provided. Made the change I requested with ease.
Easy process
Easy to submit claims and quick payments
Quick Claim Process
I was able to submit my claim online and within a short time the claim was processed and my refund placed into my account with no hassles.
The claims process is quick and easy…
The claims process is quick and easy and my claim was processed within a week.
Great response time
I recently had to submit my first claims and was delighted at the speed and clarity with which Spot responded. I am very satisfied with my decision to use their insurance.
Ease of communication thru app and…
Ease of communication thru app and phone. Refund quickly received. Good price.
Pet Insurance FAQs
Have questions about pet insurance and how it works? Don’t worry, we’ve got you covered.
What is Generally Covered by Pet Insurance?
Pet insurance cover generally covers conditions or accidents that your pet has gotten into after they have been enrolled. Spot pet insurance does not cover pre-existing conditions, grooming, or funeral costs. Spot plans can cover curable pre-existing conditions that have been symptom-free and untreated for six months. However, it's important to note that knee and ligament conditions are excluded from this coverage.
What is the Point of Pet Insurance?
The point of pet insurance is to help provide financial protection and peace of mind for pet owners by covering unexpected veterinary costs. It ensures that your pet can receive the necessary medical care without the burden of high out-of-pocket expenses, whether for accidents, illnesses, or routine preventive care.
What is the Deductible in Pet Insurance?
Just like most other insurances, deductibles within pet insurance refer to the predetermined amount that policyholders must pay before the insurance coverage kicks in. It is an important aspect of pet insurance plans and plays a significant role in managing costs for both the pet owner and the insurance provider. You can learn more about insurance deductibles here.
Does Pet Insurance Cover Monthly Medication?
Yes, some Spot Pet Insurance plans will cover the cost of prescription medication, but typically only when prescribed by a veterinarian to treat a covered condition. You can read more about whether pet insurance offers monthly medication here.
Why Should Companies Offer Pet Insurance?
Companies should offer pet insurance because it can significantly boost employee morale and loyalty. This benefit shows that the company cares about employees' personal lives and acknowledges the important role pets play as family members. Offering pet insurance can help attract and retain top talent, demonstrating the company's commitment to comprehensive employee well-being.
