What Does Pet Insurance Not Cover?

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For a comprehensive list of policy exclusions and limitations, download a copy of the SPOT Pet Insurance policy here.

Some of the most common exclusions we encounter during the claims review process are:

  • Pre-existing conditions
  • Conditions occurring within policy waiting period(s)
  • Non-FDA treatment or supplements
  • Pet diets
  • Day care/boarding

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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.