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.
While You Wait For Your Video Tips...
Have you heard Cesar Millan’s story with SPOT Pet Insurance?
Discover how you can save up to 90% on covered vet bills; help protect yourself against crippling expenses, and learn Cesar Millan's secrets to helping ensure your pet lives the longest, happiest life.
In This Short Presentation, You'll Hear:
- How to get help with your expensive vet bills
- How Cesar Millan leads his pack through each day
- The danger that vet bills can pose to your finances
- What led Cesar Millan to value pet insurance
- How to get up to 90% back on covered vet bills
- The most important reason to have pet insurance
Free Pet Insurance Quote in 30 Seconds
With premium prices less than the cost of a cup of coffee a day,* you can get a plan that reimburses thousands for covered conditions.
- Customize a plan that works for you
- Submit claims for visits to any licensed vet
- Get reimbursed between 70% - 90% on eligible vet bills
New to SPOT:
A 24/7 Helpline
As a thank you for enrolling in a SPOT Pet Insurance, we will provide you with immediate access to our 24/7 helpline for pet health, behavior, and wellness questions provided by WhiskerDocs.
Your questions will be answered by veterinary experts at no additional cost!
About SPOT Pet Insurance
SPOT teamed up with Cesar Millan in 2020 on a shared mission to create better humans, better pets, and a better planet.
SPOT knows that your pets are part of your family. As pet parents ourselves, we make their overall health and wellbeing our top priority. That’s why we provide the highest quality pet-centric coverage and first-class service.
We believe that pet wellness benefits our wellbeing, and we're committed to helping pets lead happy healthy lives.
*Rates vary depending on plan type, species, breed, age, and location of a pet being insured. **Paid Endorsement