How Cat Insurance Works With Plans Offered by Spot
Visit Any Licensed Vet
Get vet treatment in the U.S. or Canada.
Submit Your Claim Easily
Submit your claim online or in our app.
Get Cash Back
Get paid back for eligible vet bills for covered conditions.
Customize Your Kitten & Cat Insurance Plan Options
Happy Pet Parents Trust Spot
Rated 4.4 / 5 based on 2,251 reviews
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I recently took out Spot insurance for…
I recently took out Spot insurance for my puppy. I really like that they refunded me 80% of my puppy vaccination bill. I really want to believe that there will be no further problems
Claims are made and processed so easily!
We have never had pet insurance and…
We have never had pet insurance and were not sure what to expect! Our new puppy has received all her wellness services and they have been fully covered in a timely manner! We appreciate the kind of service Spot has provided!
Great company! Would recommend to anyone needing pet insurance !
Excellent Customer service time and…
Excellent Customer service time and time again!
Great pet ins.
excellent turn around time for reimbursement and excellent customer service
Easy enrollment and easy to submit claims through the web site.
Easy to use
Easy to use! Customer service is so helpful too!
Wonderful when my baby passed
My Yorkie passed away and Spot was great They took care of everything and were so compassionate. The claim was paid promptly with no issues.
Spot Insurance provides such an added relief knowing you have it to help with vet costs! The claim entry process has been easy and flawless!
Spot Pet Insurance has made every thing so easy, from selecting our policy to entering claims, The claim process has been efficient in letting us know when our claim was accepted, in processing and payout % easily deposited into our bank account.
Frequently Asked Questions
Have questions about pet insurance and how it works? Don't worry, we've got you covered.
What Do Pet Insurance Plans Provided by Spot Cover?
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.
For a full list of terms and conditions, click here to view a sample policy.
Can I Get Reimbursed for Routine Teeth Cleanings?
Base level plans provided by Spot do not cover routine teeth cleanings.
However, Spot accident & illness plans cover treatments for dental illnesses. The only treatment covered for dental accidents is tooth extractions.
To get reimbursed on routine cleanings for your dog or cat’s general wellbeing, you’ll need to add preventive coverage to your base plan for a little extra cost per month.
How do I Determine if My Pet Has a Pre-existing Condition?
Plans provided by Spot do not cover pre-existing conditions.
A pre-existing condition is any injury or illness which occurs or shows symptoms before coverage starts or during a waiting period. A condition is considered pre-existing whether or not it’s been officially diagnosed or treated; all that matters is when it occurred or symptoms first displayed.
What is the Best Age to Insure My Pet?
Plans provided by Spot don’t have an upper age limit for new enrollments or coverage. We advise all pet parents to insure their pet at a young age. You can enroll your pet in 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.
Does Pet Insurance Cover Exam Fees?
Not all pet insurances cover exam fees. Spot plans cover exams for covered conditions.
Routine wellness exams are not covered by base level plans provided by Spot, and they are only covered under Spot’s Preventive Care plans, which you can add on to your base level plans for a little extra cost.