What's Not Covered?
Like all pet insurance providers, we have exclusions.
Waiting Periods
All coverage will start on the 15th day after the policy effective date.
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.
Sample policy and full list of exclusions
View our sample policy by clicking 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 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.
Pet Dental Insurance Options
Dental problems in your dog or cat could lead to larger health and behavior issues. SPOT provides coverage options for dental injuries, emergencies, and diseases. Plus, SPOT Preventive Care coverage–which you can add to your policy for a little extra on your premium each month–can help you pay the bills for routine teeth cleanings.
Free Pet Insurance Quote in 30 Seconds
Accident & Illness Coverage for Dental
Our Accident-Only Plan covers tooth extractions for your dog or cat’s dental issues related to injuries. With an Accident & Illness Plan, treatment is also covered for dental issues that come from an illness or hereditary issue, as long as it’s not a pre-existing condition.*
- Gingivitis
- Stomatitis
- Periodontal disease
- Fractured teeth
- Epulides and tumors
Odd behavior? Could be dental.
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 [email protected]
Frequently Asked Questions
Preventive Care Options for Dental*
Having your pet’s teeth cleaned can be expensive, but forgoing it can be even more costly to your pocketbook and to your pet’s wellbeing. For example, research shows that gingivitis, a bacterial infection, can lead to severe pain, bleeding, tooth loss and bone loss (1). You can help your pet avoid conditions like gingivitis by taking them for an annual cleaning from a young age.
With an add-on preventive care plan, you can get reimbursed for those routine dental cleanings. Our preventive care plans give an allotted amount for dental cleanings that you can get reimbursed up to each year (there’s no reimbursement percent).
With our Gold Plan, you get $100 for dental cleanings each year. With our Platinum Plan, you can use up to $150 on dental cleanings. Check out our preventive care comparison chart for a full list of what each plan will cover.
Spot Pet Insurance App
If you do have to take your pet to the vet for an emergency visit (we hope not!), you can stay tech-savvy and submit your claim through our app.
And if you have questions about what your insurance plan covers at the vet, please visit our FAQs page or see our Sample Policy and enter your state and policy type.
Pet Parent Insights
“My dog broke a tooth and had a canine SRP (ultrasonic cleaning) and it cost almost $700. Ultrasonic cleaning is a major expense that most pet owners forego, leading to bad (terrible) breath and a diminished quality of life for the pet in its older years."
SPOT BENEFITS
Accident & Illness Plans only cover dental issues related to an injury or an illness. To get reimbursed on routine cleanings for your dog or cat’s general wellbeing, you’ll need to add a preventive coverage plan.*
