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
Visit Any Licensed Vet,
What Does Cat
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.
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.
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 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.
range of physical and mental conditions in cats. Some popular therapies include:
- Chiropractic Care
- Rehabilitative Therapy
- Low-level laser therapy
SPOT On Coverage can reimburse you for alternative therapies that your cat may need for a covered condition.
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:
- Excessive licking
- Fur Pulling
- Destruction of the home
- Litter box problems
See How Our Competition Stacks Up
*Comparison information is provided using publicly available information as of 8/7/2020 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 firstname.lastname@example.org.
Unlimited Annual Limit
Preventive Care Option
One Annual Deductible
Lab tests, X-rays, Hospitalization, Surgery, Diagonostics, etc.
Hereditary and Congenital Conditions without limitations
Any US Licensed Vet, Specialist, or Emergeny Clinic
Stem Cell Therapy
No Vaccination Requirements for Coverage of Certain Conditions
Multiple Pet Discount
Age Limits for Illness Coverage Enrollment
Accident Only Plan Available for All Pets
30 - Day Money Back Guarantee
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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.
Our plans do not cover elective procedures, such as tail docking, ear cropping, and claw removal.
Our plans do not cover costs associated with breeding or pregnancy.
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
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.
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.
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 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.