Best In Show Pet Insurance for Your Employees
SPOT-On coverage as a voluntary benefit, because pets are family, too.
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*10% group employee discount on every pet, plus a 10% multi-pet discount on each additional pet.
Employee Benefits
About Our Program
What is Pet Insurance?
SPOT Pet Insurance has options to cover the unexpected things that come up with pet health care, whether that is an accident or illness. If your pet gets sick or injured, SPOT Pet Insurance is here for you! Our program offers an unlimited annual limit option, no per incident caps, and no lifetime caps.
If your pet shows signs or symptoms of a new covered accident or illness after enrollment, and after any applicable waiting period, it will be eligible for coverage. Our program covers medically necessary veterinary treatments, including but not limited to:
- MRI or CT scans and X-rays
- Poison control consultation fees
- Prescription medications
- Surgery and Hospitalization
- Medical supplies (such as but not limited to bandages, casts and splints)
- Cancer treatments
- Treatment for behavioral problems
- Microchip Implantation
You may use any US licensed veterinarian.
For additional information please click here to see policy specific provisions related to this FAQ.
How Much Does Pet Insurance Cost?
- The price of your pet insurance premium can vary greatly depending on the coverage type you select and on your pet’s information.
- With SPOT’s wide range of customizable options for deductible, annual limit, and reimbursement rate, premiums vary based on the coverage you build to suit you.
- Premium price also depends on whether you select Accident-Only coverage or Accident & Illness coverage, and if you choose to add on a Preventive Care package.*
- Your pet’s age, breed, and your location all affect premium prices, too.
*Preventive plans are available for an additional cost.
*Preventive plans are available for an additional cost.
How Does an Employee
Get Reimbursed?
Employees will be reimbursed directly. Upon taking their pet to the vet of their choice, they will submit a claim to SPOT through their personal member account. We will then process the claim and, if owed reimbursement, send the money to your employee via their choice of check or direct deposit.
What is your Discount?
10% group employee discount on every pet, plus a 10% multi-pet discount on each additional pet.
Is there a Group Rate?
The only group rate we offer is for employers and brokers, so your employees avail our deepest discount when you sign up with SPOT.
What are your customer service hours?
The SPOT call center is open 8am - 8pm Monday - Friday to take your questions: 1-800-905-1595.
See How SPOT Pet Insurance Compares
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.
Therapeutic Diets
A food that is prescribed by your veterinarian to treat a covered condition,
with guaranteed analysis and safety standards. We don't
cover the following therapeutic diets: 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.
Dietary Supplements
A dietary supplement, vitamin, probiotic, or nutraceutical with
guaranteed analysis and safety standards prescribed by your veterinarian to treat a covered condition.
We don't cover the following dietary 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.
Behavioral 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.
*Trupanion behavioral issues are at an additional fee.
**Petplan only covers up to $1k towards behavioral issues each year.
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.
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.
Prescription Medication
SPOT Pet Insurance plans cover prescription medications as part of accident and illness coverage.
There is no list of covered medications.
*Prescription medication is an optional add on for Pets Best
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.
included not included or some inclusions
*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 service@customer.spotpetins.com.
See What Pet Parents are Saying . . .
When I compared different pet insurance policy I had to go with Spot Pet Insurance hands down its a great insurance policy for any animal lover, when I saw all the things that are covered and the premium for appointments I could not refuse getting my darling fur "Baby" this policy its a must for any animal lover.
Caprice S.
4 Simple Steps
for Your Employees
- Customize your plan and enroll quickly
- Visit any licensed vet, clinic, or specialist
- Submit claims online, through our app, or by mail
- Get reimbursed through direct deposit or by mail
