How Does Pet Insurance Work?

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Once you have your custom pet insurance policy and have paid your premium on a monthly or annual schedule, you carry on as usual!

When you need to visit the vet for a covered condition, you can submit a claim for reimbursement of the eligible expenses.

DEDUCTIBLES 

Your annual deductible amount applies during each policy period. You must satisfy your annual deductible before your reimbursements start. 

PAYOUTS

You get to select your reimbursement percentage when you enroll in a plan provided by Spot. Once your deductible is met, you will be reimbursed for eligible expenses according to the reimbursement percentage you select.

PREMIUMS

This is the amount you pay for pet insurance.
FETCH A FREE QUOTE to see your premium today.

WAITING PERIODS

There is a 14-day waiting period for coverage. The waiting period begins on the first effective date of the applicable coverage. Any condition that occurs during an applicable waiting period is a pre-existing condition and is not eligible for coverage.

There is no waiting period for preventive care coverage if you choose to add it to your plan. Find more information on preventative care coverage here.

PRE-EXISTING CONDITIONS

Illness, disease, injury, or change to your pet’s health that first occurs or shows symptoms before coverage is effective or during a waiting period. This includes conditions that are related to, secondary, or resultant from a pre-existing condition.  Pet Insurance plans provided by Spot do not cover pre-existing conditions.

Visit our dog insurance and cat insurance pages for more information about plans.

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    We work to maintain accurate, current information. If you notice any content that requires updating, please contact us via email at service@customer.spotpetins.com or by mail at Spot Pet Insurance Services LLC, 303 Banyan Blvd, Suite 101 West Palm Beach, FL 331401.