What's Not Covered?
Like all pet insurance providers, we have exclusions.
Pre-existing Conditions (?)
No pet insurance provider covers pre-existing conditions, which are conditions that occur before coverage begins or during a waiting period. However, we will no longer consider a condition to be pre-existing if it has been cured and free of symptoms and treatment for 180 days, 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.
Our plans do not cover elective procedures, such as tail docking, ear cropping, and claw removal.
Our plans do not cover costs associated with breeding or pregnancy.
Coverage for preventive care, like annual wellness exams, vaccines, and screenings, is not included in this plan. You can add preventive care coverage for a little more per month after you select your base plan.
Sample policy and full list of exclusions
View our sample policy by clicking here
What is an annual coverage limit?
Spot On Coverage Details
THE TYPES OF COVERAGE YOU'LL GET
Each type of coverage includes exam fees, diagnostics, and treatment. We even cover the most advanced treatments, like chemotherapy and surgery, and some you may not expect such as acupuncture, so you can follow your vet's recommendations with less worry about cost.
Accident coverage will take care of costs for injuries and emergencies related to accidents, like torn ligaments, bite wounds, cuts, broken bones, lodged foreign objects, and toxic ingestions.
With illness coverage, you’ll be reimbursed for the costs of major and minor illnesses, such as cancer, arthritis, hypothyroidism, digestive problems, and UTIs.
Hereditary & Congenital Conditions
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.
Behavioral issues coverage can help with the costs of vet visits for concerning behaviors that may be related to anxiety or compulsive behavior, like excessive licking, fur pulling, and destruction of the home.
Affordable Pet Insurance Plan Options
Your spot for simple dog & cat insurance
- Accident & Illness and Accident-Only plans
- Preventive Care coverage available to add for a little extra cost
- 10% Multi-pet discount for additional pets
Get a free quote. It's silly simple.
- Customize a plan that works for you
- Visit any licensed vet in the US or Canada
- Submit a claim through our customer portal
- Get reimbursed between 70% - 90% on eligible vet bills
You could get reimbursed thousands for covered conditions with premium price options starting at less than the cost of a cup of coffee a day.*
Very easy claim process and insanely quick claim payout. Very impressive, never expected anything like this from an insurance company. - Sergei P.
Because our pets make us better people.
Pet insurance that's got their back
Pet insurance covers your dog or cat in case of unexpected injuries or illnesses.
With SPOT, you can customize your coverage to best suit the needs of you and your pet.
- Swallowed objects
- Toxic ingestions
HEREDITARY & CONGENITAL CONDITIONS
- Hip dysplasia
- Heart disease
- Excessive licking
- Tail chasing
- Destructive chewing
- Respiratory infection
- Destructive chewing
- Add for a little extra cost/month
- Annual exams
- Dental cleanings
- Flea and heartworm prevention
How pet insurance works
24/7 Pet Health Helpline
As a thank you for enrolling in Spot Pet Insurance, we will provide you with immediate access to a 24/7 helpline for pet health, behavior, and wellness questions powered by WhiskerDocs®.
Your questions will be answered by veterinary experts at no additional cost!
*Rates vary depending on plan type, species, breed, age, and location of the pet being insured.
SPOT NOTICE TO CALIFORNIA RESIDENTS
Pre-existing conditions are not covered. Waiting periods, annual deductible, co-insurance, benefit limits, and exclusions may apply. For all terms and conditions visit spotpetins.com/sample-policy. Preventive Care reimbursements are based on a schedule. SPOT On Coverage reimbursements are based on the invoice. Products, schedules, discounts, and rates may vary and are subject to change. More information is available at checkout.
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