Don’t Just Scratch the Surface on the Benefits of SPOT.
Preventive care options* and plans that help with spaying and neutering costs for kittens
10% multi pet discount on all additional pets
Customizable annual limits, deductible and reimbursement rates
*Preventive care options available for extra cost.
How Cat Insurance Works
Step 1
Visit Any Licensed Vet,
Emergency Clinic
or Specialist.
Step 2
Submit Your
Claim.
Step 3
Get
Reimbursed.
Step 2
Submit Your
Claim.
Step 3
Get
Reimbursed.
What Does Cat
Insurance Cover?
Accidents
We hear that curiosity kills the cat, but not on our watch! SPOT On Coverage takes care of the cost of accidental injuries like bites, cuts, broken bones, lodged foreign objects and ingested toxins.
Illnesses
Submit claims to be reimbursed for the cost of vet visits for major and minor illnesses like cancer, upper respiratory infections, worms, and immunodeficiency viruses. SPOT On Coverage also covers the exam fees, which not all insurances do.
Hereditary Conditions
Just like people, cats can inherit conditions and birth defects like heart disease, IVDD, and eye disorders. Our accident and illness coverage helps with the cost of visits to address related problems.
Chronic Issues
Chronic conditions require ongoing care across plan periods, such as diabetes and cancer. With SPOT On Coverage, your cat can still be eligible for coverage even with chronic conditions.
Wait…
there’s more!
Alternative Therapies
range of physical and mental conditions in cats. Some popular therapies include:
- Acupuncture
- Physiotherapy
- Chiropractic Care
- Rehabilitative Therapy
- Hydrotherapy
- Low-level laser therapy
SPOT On Coverage can reimburse you for alternative therapies that your cat may need for a covered condition.
Behavioral Issues
Our accident and illness plans can help cover the cost of veterinary visits for concerning behaviors. You could be reimbursed when you see an approved animal behavior professional for some common conditions in your cat, such as:
- Anxiety
- Excessive licking
- Fur Pulling
- Destruction of the home
- Litter box problems
- Aggression
See How Our Competition Stacks Up
*Comparison information is provided using publicly available information as of 1/1/2020 and is only meant to summarize program features, not a specific plan. Review the provider’s plan terms for more details. The description of the providers’ plans are not provided by that company. If you have questions about other plans, please contact an agent of that company. It is our intention to provide fair and accurate comparison information. We attempt to keep information up to date but it may change from time to time. If you are aware of any inaccuracies or changes in the information provided, let us know by emailing service@customer.spotpetins.com.
Reimbursement Percentage
After the deductible is met, we will reimburse a percentage of covered expenses according to the reimbursement percentage you select.
Unlimited Annual Limit
With this option, once you hit your deductible, there is no cap on your annual claim limit.
Preventive Care Option
Treatment for the purpose of avoiding an illness or injury or for the promotion of general health, where there is no underlying illness, injury, or symptoms. Dental cleaning, wellness exams, deworming, flea / heatworm prevention, fecal and blood test, and more! SPOT preventive care is an optional add-on for extra cost.
One Annual Deductible
Spot allows you to select from a range of deductible amounts, ranging from $100 to $500. Once you meet your annual deductible, we will reimburse a percentage of covered expenses according to the reimbursement percentage you select.
Exam Fees
Once your deductible is met, exam fees for accidents and
illnesses related to covered conditions are covered.
Annual physical exam fees are not covered.
*With Figo, an additional monthly fee is required.
Lab tests, X-rays, Hospitalization, Surgery, Diagonostics, etc.
Spot even backs you for the most expensive procedures for covered conditions. Alternative therapies needed to treat a covered condition and chronic conditions are covered.
Prescription Food
A diet prescribed by your veterinarian with
guaranteed analysis and safety standards. We don't
cover the following Prescription Foods: treats,
general health maintenance diets, weight loss diets,
puppy or kitten diets, homemade diets, or raw food
diets, even if prescribed or dispensed by your
veterinarian.
*Figo only covers food to treat bladder stones / crystals for up to 6 months.
Supplements
A dietary supplement, vitamin, probiotic, or
nutraceutical with guaranteed analysis and safety
standards prescribed by your veterinarian. We don't
cover the following Supplements: herbs, general
health maintenance vitamins or supplements, or
weight loss supplements, even if prescribed or
dispensed by a veterinarian.
*Petplan covers prescription supplements
Alternative Therapies
There are all sorts of alternative therapies now available for pets, such as acupuncture, physiotherapy, chiropractic care, rehabilitative therapy, hydrotherapy, and low-level laser therapy. Spot On Coverage can reimburse you for alternative therapies your pet might need to treat a covered condition.
Behavorial Issues
This coverage can help with the costs of veterinary visits for concerning behaviors that may be related to anxiety or compulsive behavior, like excessive licking, fur pulling, and destruction of the home.
Dental Illness
We cover treatments for dental illnesses if you enroll in an accident & illness plan, and our plans cover tooth extraction for accidents.
Chronic Conditions
These are conditions that need care across multiple plan periods, such as diabetes and cancer. With Spot On Coverage, you don’t have to worry about a condition becoming ineligible for coverage just because it is ongoing.
Hereditary and Congenital Conditions without limitations
This coverage is for the costs of inherited conditions and birth defects that don’t show symptoms until later in your pet’s life, like heart disease, IVDD, eye disorders, and hip dysplasia.
Any US Licensed Vet, Specialist, or Emergeny Clinic
Spot understands the importance of timing, which is why we're proud to offer you coverage at any licensed vet, emergency clinic or specialist in the US.
Stem Cell Therapy
Spot covers you for the fancy treatments, too! This coverage is included in both our accident only and accident & illness plans.
Microchip
Your policy covers microchip implantation by a veterinarian; not any associated fees for registration, monitoring, or renewal.
No Vaccination Requirements for Coverage of Certain Conditions
No vaccination requirements to be eligible for enrollment or coverage.
Multiple Pet Discount
Insure one, discount the rest. Spot provides a 10% discount for every additional pet insured.
Age Limits for Illness Coverage Enrollment
Tired of being told no? Spot doesn't place an upper age limit on coverage.
Accident Only Plan Available for All Pets
Maybe you're interested in just covering against hefty vet bills for unexpected accidents. We've got coverage for that, too.
30 - Day Money Back Guarantee
Take the time to understand if this service is for
you and your furry pal. Test it out and determine if
it's right for you with our 30 - day money back
guarantee.
*30 day money back guarantee only available if no claims have been approved or paid. Not available in NY.
Prescription Medication
SPOT Pet Insurance plans cover prescription medications as part of accident and illness coverage. There is no list of covered medications.
How Much is Cat Insurance?
With our customizable plans, you can adjust the cost of your premium to fit your cat’s needs and your budget. We offer adjustable deductibles, annual limits, and reimbursement amounts. With accident-only coverage, you can get a monthly premium as low as $11/month*
*Based on 5K annual limit, 70% reimbursement rate, and $500 deductible in 33407 for a one year old mixed cat breed. Plan costs vary based on plan type, pet breed, age, and location.
Let's get your
pet covered.
Tell us more so we can fetch
a great plan for you.
What's Not Covered?
Like all pet insurance providers, we have exclusions.
Pre-existing Conditions (?)
No pet insurance provider covers pre-existing conditions, which are conditions that occur before coverage begins or during a waiting period. However, we will no longer consider a condition to be pre-existing if it has been cured and free of symptoms and treatment for 180 days, with the exception of knee and ligament conditions. If a knee or ligament condition occurs before the coverage effective date or during a waiting period, any future ones won’t be covered.
Cosmetic Procedures
Our plans do not cover elective procedures, such as tail docking, ear cropping, and claw removal.
Breeding Costs
Our plans do not cover costs associated with breeding or pregnancy.
Preventive Care
Coverage for preventive care, like annual wellness exams, vaccines, and screenings, is not included in this plan. You can add preventive care coverage for a little more per month after you select your base plan.
View our full list of exclusions here.
What is an annual
coverage limit?
Annual Coverage Limit – The total amount you can be reimbursed over one 12-month policy period.
This limit resets whenever a new policy period begins.
TIP: Pick the highest amount you think you might spend on accidents and illnesses in a year. Raising your coverage limit later will require starting a new plan and make any conditions your pet has had pre-existing.
SPOT On Coverage Details
THE TYPES OF COVERAGE YOU'LL GET
Each type of coverage includes exam fees, diagnostics, and treatment. We even cover the most advanced treatments, like chemotherapy and surgery, and some you may not expect, such as stem-cell therapy and acupuncture, so you can follow your vet's recommendations with less worry about cost.
Accidents
Accident coverage will take care of costs for injuries and emergencies related to accidents, like torn ligaments, bite wounds, cuts, broken bones, lodged foreign objects, and toxic ingestions.
Illnesses
With illness coverage, you’ll be reimbursed for the costs of major and minor illnesses, such as cancer, arthritis, hypothyroidism, digestive problems, and UTIs.
Hereditary & Congenital Conditions
This coverage is for the costs of inherited conditions and birth defects that don’t show symptoms until later in your pet’s life, like heart disease, IVDD, eye disorders, and hip dysplasia.
Behavioral Issues
Behavioral issues coverage can help with the costs of vet visits for concerning behaviors that may be related to anxiety or compulsive behavior, like excessive licking, fur pulling, and destruction of the home.
