The Spot Difference
Spot was created to simplify pet insurance, with a streamlined quote process
and excellent user experience. It’s a fresh new approach that shapes coverage to
help you protect your pets with the best care available.
The Spot Difference
Spot was created to simplify pet insurance, with a streamlined quote process and excellent user experience. It’s a fresh new approach that shapes coverage to help you protect your pets with the best care available.
Streamlined processes for quotes and claims. Simplify pet insurance.
Our site lets you quickly and easily manage your entire account.
All policies are underwritten by a provider of leading insurance since 1822.
Health Insurance for Your Pet
Pet insurance covers your dog or cat in case of unexpected injuries or illnesses. With Spot you can customize your coverage to best suit the needs of you and your pet. (*Click Here for a full list of exclusions)
- Swallowed Objects
- Toxic Ingestions
HEREDITARY & CONGENITAL CONDITIONS
- Hip Dysplasia
- Heart Disease
- Excessive licking
- Tail chasing
- Destructive chewing
- Respiratory infection
- Destructive chewing
- Annual Exams
- Dental Cleanings
- Flea and Heartworm Prevention
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.
View our full list of exclusions here.
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 stem-cell therapy and 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.
What is an annual
Cover Your Pet's Needs
- Reimbursement percentage
- Annual limit
Preventive and wellness care are available as an added cost to your Accident & Ilness or Accident-Only plan.
included not included or some inclusions
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
Stem Cell Therapy
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
*Comparison information is provided using publicly available information as of 1/1/2020 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 firstname.lastname@example.org.
Covered & Reimbursed
Visit Any Licensed Vet,
Get the care your pet
needs and pay your bill.
Send it in online, by phone,
by mail, or by fax.
We can send a direct
deposit or mail a check.
Help Protect Against High Vet Bills
What is a deductible?
How we use your
Providing your contact information allows us to save your quote so you can come back to it later. We’ll send you an email with a link to your saved quote. You can opt out of receiving our communications at any time.