Plans provided by Spot don’t have an upper age limit for new enrollments or coverage. We advise all pet parents to insure their pets at a young age.  You can enroll your pet in a plan from Spot as soon as they’re 8 weeks old.  Don’t let your pet develop a “pre-existing condition” before they’re insured.

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.

In general, your premium is based on your pet’s age, your pet’s breed, and where your pet lives. Some other factors that impact your premium are: the plan you choose, your deductible, your reimbursement percentage, if you have included preventative care coverage or not, and the discounts for which you are eligible.

Spot Pet Insurance offers options for Accident-Only and Accident & Illness pet insurance plans. Spot plans offer an unlimited annual limit option, no per incident caps, and no lifetime caps.

Plans provided by Spot cover the eligible expenses for medically necessary veterinary treatments that are prescribed to treat your pet’s covered conditions.

You may use any licensed veterinarian in the US and Canada.

For a full list of terms and conditions, click here to view a sample policy.

Spot’s Platinum Preventive Care plan option reimburses up to $150 on spaying/neutering with no deductible. The Platinum Preventive Care plan is available as an add-on to your base level plan for $24.95/month and provides a total annual benefit of $450 in routine care allowance.

Base level plans provided by Spot do not cover spaying.  

See the breakdown of what Spot’s Preventive Care plan options cover:https://Spotpetins.com/sample-policy/