What Does Pet Insurance Cover?
We know your pet is unique with one-of-a-kind needs, that’s why Spot offers affordable pet insurance plan options that you can customize to your budget and specific needs.
Accident
Spot plans help ensure your pet is covered from head-to-tail for unexpected accidents and injuries.
Illness
Spot plans cover exams for qualified illnesses and related treatment, including things like surgeries & medications.
Wellness
Spot's optional Preventive Care plans focus on routine care and regular check-ups to help ensure their routine wellbeing.
Behavioral
Spot plans may cover behavioral issues, including training for anxiety, aggression & other compulsive behaviors.
What Does Pet Insurance Not Cover?
Pet insurance plays a vital role in helping safeguard your pet's health, covering a spectrum of unexpected accidents and illnesses. But most pet insurance plans do not cover the following:
Pre-existing Conditions
Grooming
Funeral Costs
Spot plans can cover curable pre-existing conditions that have been symptom-free and without treatment for six months, though knee and ligament conditions are exclusions.
Essential Tips for Savvy Pet Parents:
Consider these tips to enhance your experience with pet insurance
What is the waiting period?
Waiting periods begin the day after you purchase your policy and last until your coverage's effective date. Typically, any illness, disease, injury, or change to your pet's health that first occurs or shows symptoms before coverage is effective is considered pre-existing and is not eligible for coverage. Get a quote to learn more about waiting periods in your state.
Which vets can I use?
With a Spot plan you can take your pet to any vet in the U.S. or Canada, including specialists and emergency clinics. Spot plans do not use networks, giving pet parents the freedom to select the best clinic for their pet. Spot offers comprehensive coverage options for unexpected accidents and illnesses. You can also add-on Platinum preventive for coverage on eligible spaying or neutering costs
Preventive Care
Coverage for our optional preventive care add-ons begins just 24 hours after purchase, allowing you to use your preventive benefits almost immediately. These add-ons help cover routine check-ups, dental cleanings, and vaccinations, helping your pet get essential care. Spot's approach prioritizes immediate access to care, reflecting our commitment to your pet's well-being.
Submitting claims is easy
Once you visit your vet, submit a claim via our app or through the member center. Make sure you include any necessary documentation. Most claims are processed in less than 3 days, and reimbursements will be paid either via direct deposit or a check, whichever you prefer. Our helpful customer service representatives are available to answer any questions you may have.
What Do Spot Pet Insurance Plans Cover?
Spot offers two main plans: Accident & Illness and Accident Only. You can add an optional Preventive Care plan as well.
Preventive Care for Your Pet
Regular veterinary check-ups included in preventive care plans can help with the early detection of potential health issues in pets.
Timely identification enables prompt intervention and can lead to more effective and less costly treatments in the future.
Early Detection
Early identification can help with potential health issues, which can lead to prompt intervention and improved treatment outcomes.
Disease Prevention
Vaccinations and preventive measures can protect pets from common and serious diseases, helping ensure their overall well-being.
Cost Savings
Proactive care can help prevent costly treatments by addressing health concerns before they escalate, potentially saving money & suffering.
Long-Term Health
Regular check-ups, vaccinations, nutrition, dental care, and preventive medications can contribute to a pet's overall health, longevity, and higher quality of life.
Behavioral Well-Being
Preventive care can support behavioral health, helping address issues early and fostering a harmonious relationship between pets and their owners.
Peace of Mind
Knowing that a pet can receive regular preventive care helps provide owners with peace of mind that they are actively contributing to their pet's health.
Pet insurance that’s easy!
Spot makes it simple for pet parents to submit a pet insurance claim and receive reimbursement for eligible services in just a few days.
Visit Any Vet
No vet restrictions! Visit any vet in the U.S. or Canada.
Submit Your Claim
Send us your bill online, in our app, or via fax.
Get Paid!
Get cash back quickly for covered vet bills either direct deposit or check – you pick.
We Take Care of Our Pack
Enjoy unique discounts on curated pet products, 24/7 access to a dedicated pet
telehealth helpline, and a rewarding Refer-a-Friend program that can reward you up to $500 per year.*
As part of our mission to help pets lead happier and healthier lives, we’ve sourced the best deals for you and your pet.
Discounts on Pet Products and Services
Curated list of offers for easy access
Variety of Brands and Services
Get unlimited, 24/7 virtual pet care for everything from nutrition advice to behavioral guidance for your pet.
Access to 24/7 vet experts
Call or chat options available
Ask any question about your pet’s health
Spot has a rewarding Refer-a-friend program that can reward you up to $500 per year* by referring your friends.
Earn Rewards
Help your friends
Simple and hassle-free
Happy Pet Parents Trust Spot
Rated 4.7 / 5 based on 4,367 reviews
Fastest claim processing and easiest…
Fastest claim processing and easiest ever, I just joined and I’m impressed!
This process was so easy
This process was so easy! It gives me peace of mind that it’s convenient for me to process claims and keep my dogs healthy without breaking the bank.
My claim was processed pretty quickly…
My claim was processed pretty quickly and when I called for status the person was very polite and helpful.
Fast Response
I submitted my bill on a Friday evening and had a response and reimbursement on a Thursday. That was Fast! Thank you.
By far the easiest experience with…
By far the easiest experience with insurance I've ever had. Whole process took 20 mins to complete and was reimbursed days later. Why can't human health insurance be this easy.
They are so caring and always answer my…
They are so caring and always answer my questions
New customer review
I am a new customer and submitted my first claim. It was a very simple process and a quick reimbursement.
Quick easy claim process.
Quick easy claim process.
Fast claim review and reimbursement for…
Fast claim review and reimbursement for everything I expected would be covered
Ease of submitting claims and fast…
Ease of submitting claims and fast processing.
Pet Insurance FAQs
Have questions about pet insurance and how it works? Don’t worry, we’ve got you covered.
How are My Pet Insurance Premiums Calculated?
In general, your premium is based on your pet’s age, your pet’s breed, and where your pet lives. Some other factors that impact your premium are: the plan you choose, your deductible, your reimbursement percentage, if you have included preventative care coverage or not, and the discounts for which you are eligible.
What is a Pre-Existing Condition?
A pre-existing condition is any injury or illness which occurs or shows symptoms before coverage starts or during a 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.
Plans provided by Spot do not cover pre-existing conditions. However, with pet insurance plans provided by Spot, this doesn’t mean the condition can’t be covered in the future if the condition is curable. An injury or illness that is curable, cured, and free of treatment and symptoms for 180 days will no longer be regarded as pre-existing, 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.
Can I Get Reimbursed for Routine Teeth Cleanings?
Base level plans provided by Spot do not cover routine teeth cleanings.
However, Spot accident & illness plans cover treatments for dental illnesses. The only treatment covered for dental accidents is tooth extractions.
To get reimbursed on routine cleanings for your dog or cat’s general wellbeing, you’ll need to add preventive coverage to your base plan for a little extra cost per month.
What is the Best Age to Insure My Pet?
Plans provided by Spot don’t have an upper age limit for new enrollments or coverage. We advise all pet parents to insure their pets at a young age. You can enroll your pet in a plan from Spot as soon as they’re 8 weeks old. Don’t let your pet develop a “pre-existing condition” before they’re insured.
Does Pet Insurance Cover Exam Fees?
Not all pet insurances cover exam fees. Spot plans cover exams for covered conditions.
Routine wellness exams are not covered by base level plans provided by Spot, and they are only covered under Spot’s Preventive Care plans, which you can add on to your base level plans for a little extra cost.