Together we can help pets lead longer, healthier lives.
Why Pet Insurance
As a pet parent, you know how expensive vet visits can be.
It’s a financial safety net in case of accidents, injuries, illnesses, chronic conditions…
SPOT pet insurance plans reimburse you up to 90% of those eligible vet bills.
SPOT plans offer thousands in coverage with options starting at less than a cup of coffee per day.*
How it Works
Visit Any Licensed Vet,
Emergency Clinic
or Specialist.
Get the care your pet
needs and pay your bill.
Submit Your
Claim.
Send it in through our app
online, by mail, or by fax.
Get
Reimbursed.
We can send a direct
deposit or mail a check.
How it Works
Step 2
Submit Your
Claim.
Step 3
Get
Reimbursed.
Let's get your
pet covered.
Tell us more so we can fetch
a great plan for you.
What is Covered for
Your Dog or Cat?
Accidents
SPOT On Coverage takes care of costs for injuries and emergencies related to your pets accidents, like bite wounds, cuts, broken bones, lodged foreign objects, and toxic ingestions.
Illnesses
With your SPOT On Coverage, you'll be reimbursed for the costs of major and minor illnesses, such as cancer, arthritis, hypothyroidism, digestive problems, and UTIs.
Hereditary Conditions
SPOT recognizes that dogs, like people, can inherit conditions like heart disease, eye disorders and hip dysplasia. We help with the bill when these conditions arise, too (just no pre-existing condition coverage).
Behavioral Issues
This coverage can help you manage the costs of diagnosing and treating a behavioral condition, with symptoms such as destructive chewing or scratching, fur pulling, excessive licking, pacing, or going outside the litterbox. Treatment for these kinds of conditions may include medication to reduce anxiety and behavioral modification techniques.
Wait...there is more!
Alternative Therapies
There are all sorts of alternative therapies now available for pets, such as acupuncture, physiotherapy, chiropractic care, rehabilitative therapy, hydrotherapy, and low-level laser therapy. SPOT On Coverage can reimburse you for alternative therapies your pet might need to treat a covered condition.
Chronic Conditions
These are conditions that need care across multiple plan periods, such as diabetes, and cancer. With SPOT On Coverage, you don’t have to worry about a condition becoming ineligible for coverage just because it is ongoing.
See How Our Competition Stacks Up
*Comparison information is provided using publicly available information as of 1/1/2020 and is only meant to summarize program features, not a specific plan. Review the provider’s plan terms for more details. The description of the providers’ plans are not provided by that company. If you have questions about other plans, please contact an agent of that company. It is our intention to provide fair and accurate comparison information. We attempt to keep information up to date but it may change from time to time. If you are aware of any inaccuracies or changes in the information provided, let us know by emailing service@customer.spotpetins.com.
Reimbursement Percentage
After the deductible is met, we will reimburse a percentage of covered expenses according to the reimbursement percentage you select.
Unlimited Annual Limit
With this option, once you hit your deductible, there is no cap on your annual claim limit.
Preventive Care Option
Treatment for the purpose of avoiding an illness or injury or for the promotion of general health, where there is no underlying illness, injury, or symptoms. Dental cleaning, wellness exams, deworming, flea / heatworm prevention, fecal and blood test, and more! SPOT preventive care is an optional add-on for extra cost.
One Annual Deductible
Spot allows you to select from a range of deductible amounts, ranging from $100 to $500. Once you meet your annual deductible, we will reimburse a percentage of covered expenses according to the reimbursement percentage you select.
Exam Fees
Once your deductible is met, exam fees for accidents and
illnesses related to covered conditions are covered.
Annual physical exam fees are not covered.
*With Figo, an additional monthly fee is required.
Lab tests, X-rays, Hospitalization, Surgery, Diagonostics, etc.
Spot even backs you for the most expensive procedures for covered conditions. Alternative therapies needed to treat a covered condition and chronic conditions are covered.
Prescription Food
A diet prescribed by your veterinarian with
guaranteed analysis and safety standards. We don't
cover the following Prescription Foods: treats,
general health maintenance diets, weight loss diets,
puppy or kitten diets, homemade diets, or raw food
diets, even if prescribed or dispensed by your
veterinarian.
*Figo only covers food to treat bladder stones / crystals for up to 6 months.
Supplements
A dietary supplement, vitamin, probiotic, or
nutraceutical with guaranteed analysis and safety
standards prescribed by your veterinarian. We don't
cover the following Supplements: herbs, general
health maintenance vitamins or supplements, or
weight loss supplements, even if prescribed or
dispensed by a veterinarian.
*Petplan covers prescription supplements
Alternative Therapies
There are all sorts of alternative therapies now available for pets, such as acupuncture, physiotherapy, chiropractic care, rehabilitative therapy, hydrotherapy, and low-level laser therapy. Spot On Coverage can reimburse you for alternative therapies your pet might need to treat a covered condition.
Behavorial Issues
This coverage can help with the costs of veterinary visits for concerning behaviors that may be related to anxiety or compulsive behavior, like excessive licking, fur pulling, and destruction of the home.
Dental Illness
We cover treatments for dental illnesses if you enroll in an accident & illness plan, and our plans cover tooth extraction for accidents.
Chronic Conditions
These are conditions that need care across multiple plan periods, such as diabetes and cancer. With Spot On Coverage, you don’t have to worry about a condition becoming ineligible for coverage just because it is ongoing.
Hereditary and Congenital Conditions without limitations
This coverage is for the costs of inherited conditions and birth defects that don’t show symptoms until later in your pet’s life, like heart disease, IVDD, eye disorders, and hip dysplasia.
Any US Licensed Vet, Specialist, or Emergeny Clinic
Spot understands the importance of timing, which is why we're proud to offer you coverage at any licensed vet, emergency clinic or specialist in the US.
Stem Cell Therapy
Spot covers you for the fancy treatments, too! This coverage is included in both our accident only and accident & illness plans.
Microchip
Your policy covers microchip implantation by a veterinarian; not any associated fees for registration, monitoring, or renewal.
No Vaccination Requirements for Coverage of Certain Conditions
No vaccination requirements to be eligible for enrollment or coverage.
Multiple Pet Discount
Insure one, discount the rest. Spot provides a 10% discount for every additional pet insured.
Age Limits for Illness Coverage Enrollment
Tired of being told no? Spot doesn't place an upper age limit on coverage.
Accident Only Plan Available for All Pets
Maybe you're interested in just covering against hefty vet bills for unexpected accidents. We've got coverage for that, too.
30 - Day Money Back Guarantee
Take the time to understand if this service is for
you and your furry pal. Test it out and determine if
it's right for you with our 30 - day money back
guarantee.
*30 day money back guarantee only available if no claims have been approved or paid. Not available in NY.
Prescription Medication
SPOT Pet Insurance plans cover prescription medications as part of accident and illness coverage. There is no list of covered medications.
Let's get your
pet covered.
Tell us more so we can fetch
a great plan for you.
Furry Fan Feedback
We love to share the good news and are so
happy to see our furry friends healthy.
Having Spot Pet Insurance helped me save hundreds on my dog Star’s x-rays! So happy she is doing well now!
West Palm Beach, FL
Stella my goldendoodle was limping for days. Spot saved the day and I was able to get her examined without spending thousands of dollars.
West Palm Beach, FL
Doug was so sick and having Spot allowed me to take him to a vet even while we were traveling and on vacation.
High Point, NC
*Plan costs vary based on plan type, pet breed, age, and location.
