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.
Sample policy and full list of exclusions
View our sample policy by clicking here
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.
Pet Dental Insurance
Dental problems in dogs and cats can lead to larger health and behavior issues. SPOT policies cover dental diseases and tooth extractions for dental accidents. You can add Preventive Care coverage to a policy for a little extra cost and get reimbursed for routine teeth cleanings, too.
Fetch a Free Quote
Pet dental insurance for accidents and illnesses
Our Accident-Only plans cover tooth extractions related to injuries. In addition to injury-related treatments, Accident & Illness plans cover treatments for dental illnesses or hereditary issues, as long as they are not pre-existing conditions. Common pet dental issues include gingivitis, stomatitis, periodontal disease, epulides, and tumors.
Does pet insurance cover teeth cleaning?
Pet dental cleanings can be expensive, but skipping them can be even more costly to your pocketbook and to your pet’s wellbeing.
Regular teeth cleanings help your pet avoid conditions like gingivitis, a bacterial infection, which can lead to severe pain, bleeding, tooth loss, and bone loss (1).
With SPOT's Preventive Care coverage added to your policy for a little extra cost each month, you can get reimbursed when you take your pet in for routine dental cleanings. Preventive Care plans allow a certain reimbursement amount for dental cleaning each year, and there’s no deductible to meet. Check out our Preventive Care chart for a list of what each plan covers.
Frequently asked questions
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.