Dig in to the benefits of dog insurance with Spot.
Spot Dog Insurance
Spot coverage helps you protect your dog in case of accidents, illnesses, and emergencies. With dog insurance from Spot, you can get reimbursed for vet bills when your dog is treated for a covered condition.
With Spot dog insurance, you get
Preventive Care coverage options, which you can add to plans for a little extra cost.
The only pet insurance recommended by dog behaviorist, Cesar Millan
Customizable annual limits, deductible and reimbursement rates
What Does Dog Insurance Cover?
Spot On Coverage helps with the cost of injuries and emergencies if your dog gets in an accident. Accident injuries include bites, cuts, broken bones, lodged foreign objects, and toxin ingestion.
Sick day? Spot On Coverage reimburses you when your pup needs to see the vet for thyroid diseases, digestive problems, UTIs, cancer, and other illnesses. With Spot dog insurance coverage you get coverage on exam fees, too.
Spot recognizes that dogs, like people, can inherit conditions like heart disease, eye disorders and hip dysplasia. We help with the bill when these conditions arise, too (just no pre-existing condition coverage).
A chronic condition requires care across multiple plan periods, and we cover those, too! If your pup has diabetes, arthritis or other reoccurring issues, we help you cover the bills that make them more comfortable.
There are all sorts of alternative therapies now We take a holistic approach to health, and to dog health insurance. If your pup needs to see a licensed alternative therapy specialist for a covered condition, Spot On Coverage can reimburse you. Common alternative therapies include:
- Chiropractic Care
- Rehabilitative Therapy
- Low-level laser therapy
We know that good training and having a trusting relationship is important for a dog’s health. With dog insurance from Spot, Our accident and illness plans can help cover the cost of veterinary visits for concerning behaviors. Submit claims when you see an approved animal behaviorist for issues like:
- Excessive licking
- Destruction of the home
- Fur pulling
- Other compulsive behaviors
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 [email protected]
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
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
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.
Sample policy and full list of exclusions
View our sample policy by clicking here
What is an annual coverage limit?
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 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.