Frequently Asked Questions:
So routine cleanings aren’t covered in an Accident & Illness Plan?
- Spot dog insurance and cat insurance plans cover dental illness and treatment for tooth extraction caused by accidents. To get reimbursed for routine cleanings under a pet insurance plan, you’ll need to add a preventive coverage plan.
What is Accident-Only coverage?
Microchip – Your policy covers microchip implantation by a veterinarian; not any associated fees for registration, monitoring or renewal.
WHAT IS NOT COVERED
We will not pay for expenses related to any illness.
We will not pay for costs associated with or resulting from the following:
- Aesthetic, cosmetic, endodontic dental services such as caps, crowns or crown amputation, fillings, implants and root canals or planing.
- Anal sac (gland) expression and/or resection when no infection is present
- Breeding, pregnancy, whelping or nursing
- Conditions that occur during a waiting period
- Cosmetic and elective prostheses or procedures (including but not limited to claw removal, ear cropping and tail docking)
- Dental cleanings unless used to treat a covered illness or covered by a preventive add-on plan, which costs a little extra.
- Experimental or investigational treatment or medication (including clinical trials) that is not generally accepted in the veterinary medical community as effective or proven
- Grooming or grooming supplies (including but not limited to non-prescription baths, ear cleanings, non-prescription shampoos and nail trims).
- House call fees, time and travel expenses to and from the veterinarian’s premises or hospital.
- Illness or injury that results from intentional, malicious, or grossly negligent activities or from failure to perform actions commonly accepted as responsible pet care by you, a member of your household or a caregiver for your pet.
- Non-medical supplies such as but not limited to toys, training devices, and leashes.
- Non-Veterinary services (including but not limited to administrative fees, medical records expenses, medical waste, postage and tax).
- Pre-existing Conditions that occurred on or before the effective date of the policy or during a waiting period.
- Prescription food, pet food, diets or treats used for prevention or general health maintenance (including weight loss)even if prescribed or dispensed by a veterinarian.
- Preventive care without an occurrence (including but not limited to general health maintenance diagnostics, laboratory procedures, medications, physical examinations and surgery) unless covered by an applicable endorsement.
- Supplements and vitamins used for prevention or general health maintenance (including weight loss) even if prescribed or dispensed by a veterinarian.
Scroll through the list below to understand what is and is not covered for our Accident Only coverage.
- Alternative therapy
- End of life expenses
- Intravenous (IV) fluids and medications
- Medical supplies (such as but not limited to bandages, casts and splints)
- MRI or CT scans and X-rays
- Poison control consultation fees
- Prescription food to treat a covered condition; not for general health maintenance, or prevention, even if prescribed or dispensed by a veterinarian.
- Prescription medications prescribed by a veterinarian and approved by the Food and Drug Administration (FDA).
- Stem cell therapy
- Supplements to treat a covered condition; not for general health maintenance, or prevention even if prescribed or dispensed by a veterinarian.
- Surgery and hospitalization
- Tooth extractions
- Veterinary Treatment, including examinations, consultations, and laboratory tests.Veterinary expenses related to coursing, organized fighting, law enforcement or guarding, personal protection or racing.
What is a pre-existing condition?
- A pre-existing condition is any injury or illness which occurred or had symptoms before the start of your pet’s policy, or during a relevant 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.
- No pet insurance provider covers pre-existing conditions, though each may define a pre-existing condition differently. We define a pre-existing condition as a health problem that occurs before coverage is effective or during a waiting period. However, we will no longer consider a condition to be pre-existing if your pet has been cured of it and without treatment for it or symptoms of it 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.
How do I determine if my pet has a pre-existing condition?
- Identifying a pre-existing condition is simple. If it’s an accident or illness and the symptoms weren’t present and it didn’t occur before your enrollment or during the waiting periods, the condition is not pre-existing. However, if the condition occurred or symptoms began before you enrolled or during a waiting period, it will be considered pre-existing and not eligible for coverage.
Are there any types of incident or lifetime caps?
- With SPOT, there is no type of per incident limits or lifetime caps.