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.
1 in 3 Pets Need Emergency Veterinary Treatment Every Year1
Learn Cesar Millan's secrets to helping your pet live a longer, happier life. Plus, discover how you can save up to 90% on covered vet bills and reduce anxiety about pet health expenses.
In this short presentation, you'll hear:
- The lesson Cesar Millan learned from his dog Daddy
- The five body motions that are key for dog health
- The danger that vet bills can pose to your finances
- The secret to receiving up to 90% back on covered vet bills
- The most important reason to have pet insurance
- What pet parents are saying about their Spot insurance plans
Fetch a free pet insurance quote in 30 seconds
Pick a pet plan that you'll love, and even check out our 30-day money-back guarantee*.
Your one-stop for pet insurance from quote to claim:
- Customize a free, quick, and easy quote
- Enroll online
- Submit claims through our digital portal or app
- Get reimbursed through direct deposit
Life happens, but you don't need to worry about all the "what ifs." Spot plans help you focus on the joys of pet parenting instead.
Plans offered by Spot Pet Insurance
As a Spot plan policyholder, you can enjoy immediate access to WhiskerDocs® 24/7 helpline for pet health, behavior, and wellness questions.
Have your questions answered by veterinary experts at no additional cost!
About Spot Pet Insurance
Spot Pet Insurance teamed up with Cesar Millan in 2020 on a shared mission to create better humans, better pets, and a better planet.
Spot plans support you in serious and scary situations and help you focus on the joys of being a responsible pet parent. Products offered by Spot, as well as Spot's communications and employees' support you in forming the best relationship with your pet over a long, healthy life.
We believe that your pet's wellbeing benefits your wellbeing, and that's why Spot provides pet insurance you both will love.
*30-day money-back guarantee is only available if no claims have been covered or paid, not available in NY
1) Are you prepared for a pet emergency? Most Americans are not, Retrieved from https://www.cnbc.com/2018/06/14/are-you-prepared-for-a-pet-emergency-most-americans-are-not.html