How Dog Insurance Works With Plans Offered by Spot
Accident & Illness Plans for Puppies & Dogs
What do the Accident & Illness plans for puppies and dogs cover?
What don’t Accident & Illness plans for puppies and dogs cover?View All Exclusions
Accident Only Plans for Puppies & Dogs
What do the Accident Only plans for puppies and dogs cover?
What don’t the Accident Only plans for puppies and dogs cover?View All Exclusions
Add-on Preventive Care Coverage Options for Puppies & Dogs
Milo swallowed his favorite soft chew toy and needed immediate vet care. Milo is priceless, but his vet bill that is eligible for coverage has a price tag of: $1,200.
Your net payment: $120
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Happy Pet Parents Trust Spot
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Easy to navigate and get things done
Easy to navigate and get things done I hope that my claim gets processed as easily
It was within my budget to afford pet…
It was within my budget to afford pet insurance and the level of care. I can use the same vet near my house. Haven't used it yet. My boy is 2 yrs old 6/6/2023 and due for his annual wellness check
I have pet insurance for my two dogs…
I have pet insurance for my two dogs and two cats and it has saved thousands! Knowing they are protected has given me and my wallet peace of mind.
Website ease oSuper Easy!f use.
Website ease of use.
Very easy enrollment
Very easy enrollment! No claims submitted yet so we will see how long the process takes! Thank you!
Customer service has been thee best.
Very easy enrollment and best quote out…
Very easy enrollment and best quote out there!
Great company with great rates
The application process went very smooth and I have downloaded the app. Everything was seamless and now I will wait to see how the reimbursement process goes. Spot won my business after spending a lit of time comparing companies.
Nothing yet. Haven’t needed to use Spot yet
Good customer service
I was having trouble on the website so I called and promptly got to a knowledgable person who answered all my questions. Sign up was easy and the price was better than others.
Frequently Asked Questions
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 paw-rents 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 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.