Frequently Asked Questions

Learn about the Spot difference.

Do you have questions about pet insurance and how it works? Don’t worry, we’ve got you covered. Click the questions in the FAQ below to learn everything to know about pet insurance with Spot.
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Most Commonly Asked

  • What is the Best Age to Insure My Pet?
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  • What is Pet Insurance?
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  • What is a Pre-Existing Condition?
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  • What Do Pet Insurance Plans Provided by Spot Cover?
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  • What Do Pet Insurance Plans By Spot Do Not Cover?
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  • View a sample policy
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  • How Does Pet Insurance Work?
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  • How are My Premiums Calculated?
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  • Does Spot Offer a Plan for Preventative Care Coverage?
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  • Do Plans Provided by SPOT Have a Money-back Guarantee?
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  • Can I Sign My Pet Up Anytime?
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Coverage

  • Does Pet Insurance Cover Spaying
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  • Does Pet Insurance Cover Exam Fees?
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  • Does Pet Insurance Cover End of Life Expenses?
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  • Can I Get Reimbursed for Routine Teeth Cleanings?
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  • Are there Any Age Limits?
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Get Started

  • What Medical Records are Needed From My Veterinarian?
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  • What if I’m Not Sure About My Pet’s Age?
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  • Is There a Waiting Period for Pet Insurance?
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  • How do I Determine if My Pet Has a Pre-existing Condition?
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  • Do Spot Plans Offer Pet Insurance Discounts ?
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  • Are there any Types of Incident or Lifetime Caps?
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Administrative

  • What Happens to My Pet Insurance if I Move?
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  • How Do I Appeal My Claim?
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  • Do I Pay Vet Bills Up Front?
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  • Can I Transfer My Policy to a New Owner?
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  • Can I Change My Pet’s Coverage?
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  • Can I Cancel an Insurance Claim?
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Renewal

  • Why Does Pet Insurance Go Up?
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  • How Do I Renew My Policy?
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Member Center FAQ's

  • Should I Include My Pet’s Medical Records with a Claim?
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  • How Long Do I Have to File a Claim?
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  • How Does My Billing Work?
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  • How Do I File A Claim?
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  • How Can I Find Out the Status of a Claim?
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  • Do You Have a List of Veterinarians I Have to Use?
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  • Can I Add Pets to My Account After I Already Enrolled?
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Consumer App FAQ's

  • How Does My Billing Work?
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  • How Do I File a Claim ?
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  • How Can I Find the Status of My Claim?
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