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.
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.
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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.*
- Periodontal disease
- Fractured teeth
- Epulides and tumors
Odd behavior? Could be dental.
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
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]
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."
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.*