What's Not Covered?
Like all pet insurance providers, we have exclusions.
Waiting Periods
All coverage will start on the 15th day after the policy effective date.
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.
Cosmetic Procedures
Our plans do not cover elective procedures, such as tail docking, ear cropping, and claw removal.
Breeding Costs
Our plans do not cover costs associated with breeding or pregnancy.
Preventive Care
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?
Annual Coverage Limit – The total amount you can be reimbursed over one 12-month policy period.
This limit resets whenever a new policy period begins.
TIP: Pick the highest amount you think you might spend on accidents and illnesses in a year. Raising your coverage limit later will require starting a new plan and make any conditions your pet has had pre-existing.
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.
Accidents
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.
Illnesses
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
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.
Now Offering Affordable Pet Insurance Plan Options
Dog & Cat Insurance Plans
- Accident & Illness and Accident-Only plans
- Multiple add-on preventive care packages
- 10% Multi-pet discount on added pets
Free Pet Insurance Quote in 30 Seconds
With plans starting at less than a cup of coffee per day*, receive thousands in reimbursement dollars for covered conditions.
- Customize a plan that works for you
- Spot reimburses you between 70% - 90% of those eligible vet bills
- 10% multipet discount
- 30-day money back guarantee**
Responsible Pet Parenting Starts Here
This was the best insurance I could’ve gotten for my pet. Not only was the process easy but to get reimbursed 80% was amazing fast and easy process. I will recommend this insurance to all my friends and family already started. Thank you so much.
-Ben W. 7/16/21.
Pet Insurance Plans 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.
ACCIDENTS
- Injuries
- Swallowed Objects
- Toxic Ingestions
HEREDITARY & CONGENITAL CONDITIONS
- Hip Dysplasia
- Heart Disease
- IVDD
BEHAVIORAL ISSUES
- Excessive licking
- Tail chasing
- Destructive chewing
ILLNESSES
- Cancer
- Respiratory infection
- Diabetes
DENTAL DISEASE
- Gingivitis
- Periodontitis
- Destructive chewing
PREVENTIVE SERVICES***
- Annual Exams
- Dental Cleanings
- Flea and Heartworm Prevention
How pet insurance works
24/7 Pet Health Helpline
As a thank you for enrolling in Spot Pet Insurance, we will provide you with immediate access to a 24/7 helpline for pet health, behavior, and wellness questions powered by VetConnect™.
Your questions will be answered by veterinary experts at no additional cost!
