Dig Into the Benefits of SPOT Insurance.
Preventive care options* and plans that help with spaying and neutering costs for dogs
The only pet insurance recommended by dog behaviorist, Cesar Millan
Customizable annual limits, deductible and reimbursement rates
*Preventive care options available for extra cost.
How Dog 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 Dog
Insurance Cover?
Accidents
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.
Illnesses
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. We help cover exam fees, too.
Hereditary Conditions
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).
Chronic Issues
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.
Wait…
there’s more!
Alternative Therapies
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:
- Acupuncture
- Physiotherapy
- Chiropractic Care
- Rehabilitative Therapy
- Hydrotherapy
- Low-level laser therapy
Behavioral Issues
We know that good training and having a trusting relationship is important for a dog’s health. 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:
- Anxiety
- Excessive licking
- Destruction of the home
- Fur pulling
- Aggression
- Other compulsive behaviors
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 Dog Insurance?
SPOT has customizable coverage that gives you a say in your coverage cost. By choosing your deductible, annual spend limit, and reimbursement percent, you can build a premium that covers your pup’s specific needs and fits your pocketbook. With accident-only coverage, you can get a monthly premium as low as $15/month.**
**Based on 5K annual limit, 70% reimbursement rate, and $500 deductible in 33407 for a one year old mixed 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.
