What Does Spot Cover?

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  1. Alternative therapy
  2. End of life expenses
  3. Intravenous (IV) fluids and medications
  4. Medical supplies (such as but not limited to bandages, casts and splints)
  5. MRI or CT scans and X-rays
  6. Poison control consultation fees
  7. Prescription food to treat a covered condition; not for general health maintenance, or prevention, even if prescribed or dispensed by a veterinarian.
  8. Prescription medications prescribed by a veterinarian and approved by the Food and Drug Administration (FDA).
  9. Stem cell therapy
  10. Supplements to treat a covered condition; not for general health maintenance, or prevention even if prescribed or dispensed by a veterinarian.
  11. Surgery and hospitalization
  12. Tooth extractions
  13. Veterinary Treatment, including examinations, consultations, and laboratory tests.

Illness Benefits
Your policy also reimburses actual costs for covered expenses related to the diagnosis and treatment of illnesses, up to the

applicable limits, exclusions and limitations. Eligible illness expenses are:

  1. Expenses listed above under accident benefits when applicable to illness.
  2. Cancer treatments (including but not limited to chemotherapy and radiation treatment).
  3. Treatment for behavioral problems if performed by a veterinarian or through a written referral by a veterinarian to a Certified Applied Animal Behaviorist.

Microchip – Your policy covers microchip implantation by a veterinarian; not any associated fees for registration, monitoring or renewal.


We will not pay for costs associated with or resulting from the following:

  1. Aesthetic, cosmetic, endodontic dental services such as caps, crowns or crown amputation, fillings, implants and root canals or planing.
  2. Anal sac (gland) expression and/or resection when no infection is present
  3. Boarding
  4. Breeding, pregnancy, whelping or nursing
  5. Conditions that occur during a waiting period
  6. Cosmetic and elective prostheses or procedures (including but not limited to claw removal, ear cropping and tail docking)
  7. Dental cleanings unless used to treat a covered illness or covered by an applicable endorsement
  8. Experimental or investigational treatment or medication (including clinical trials) that is not generally accepted in the veterinary medical community as effective or proven
  9. Grooming or grooming supplies (including but not limited to non-prescription baths, ear cleanings, non-prescription shampoos and nail trims).
  10. Herbs
  11. House call fees, time and travel expenses to and from the veterinarian’s premises or hospital.
  12. Illness or injury that results from intentional, malicious, or grossly negligent activities or from failure to perform actionscommonly accepted as responsible pet care by you, a member of your household or a caregiver for your pet.
  13. Non-medical supplies such as but not limited to toys, training devices, and leashes.
  14. Non-Veterinary services (including but not limited to administrative fees, medical records expenses, medical waste, postage and tax).
  15. Pre-existing Conditions that occurred on or before the effective date of the policy or during a waiting period.
  16. Prescription food, pet food, diets or treats used for prevention or general health maintenance (including weight loss)even if prescribed or dispensed by a veterinarian.
  17. Preventive care without an occurrence (including but not limited to general health maintenance diagnostics, laboratoryprocedures, medications, physical examinations and surgery) unless covered by an applicable endorsement.
  18. Supplements and vitamins used for prevention or general health maintenance (including weight loss) even if prescribed or dispensed by a veterinarian.
  19. Veterinary expenses related to coursing, organized fighting, law enforcement or guarding, personal protection or racing.

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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.