What is Pet Insurance?

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Pet insurance (also known as pet health insurance) is for paw-rents seeking a financial safety net in case their pet experiences accidents, injuries, illnesses, chronic conditions and more.

Pet insurance is similar to human health insurance in that it has deductibles, payouts, and premiums:


Your annual deductible amount applies during each policy period. We subtract your chosen deductible from covered expenses before applying the reimbursement percentage.


Spot Pet Insurance allows you to select your reimbursement percentage. Once your deductible is met, you will be reimbursed according to the reimbursement percentage you select.


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


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


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. 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.