What Does Pet Insurance Cover?
Customizable Pet Insurance Options
Pet parents often wonder what, exactly, does pet insurance cover? Well, Spot Pet Insurance covers a variety of needs for your cat or dog, including three customizable plan options:
Reimbursement Examples for Covered Conditions
From the cost of poison treatment to ACL repair, vet bill totals can come as a surprise. See how you might get reimbursed—depending on your pet insurance coverage details—with a Spot pet insurance plan should your dog or cat need one of these common treatments.
Spot Coverage Inclusions
What does pet insurance cover? When selecting a provider, make sure you read the fine print. Not every insurer offers plans that cover alternative therapies, exam fees and preventive visits.*
Once you meet your deductible, Spot reimburses for exam fees related to accident and illness visits (crazy that this isn’t included with all providers, we know!). Let’s be clear, our Accident & Illness plans don’t cover annual wellness exams, if you want that covered you need to add a preventive care package*.
Preventive Care Options*
Spot has two preventive care packages that can be added to your Accident/Accident & Illness coverage for little extra cost. Preventive care supports routine visits like vaccinations and dental cleanings. Check out a breakdown of what each package offers below.
Chronic conditions, or conditions that require ongoing treatment like diabetes and cancer, are eligible for coverage. And, if your pet has a pre-existing condition that is curable and has been treated, and it has been symptom free and treatment free for 180 days, the condition will become eligible for coverage.**
With Spot On Coverage, you can get reimbursed for alternative therapies like acupuncture, chiropractic care, and rehabilitative therapy for covered conditions. Human healthcare isn’t one-fix-fits-all anymore, and neither is animal healthcare.
*Preventive care coverage is an additional cost.
**With the exception of ligament and knee conditions, which includes anterior cruciate ligament (ACL), cranial cruciate ligament (CCL), lateral collateral ligament (LCL), medial collateral ligament (MCL), medial patella luxation (MPL), lateral patella luxation (LPL) or meniscal damage. These conditions, once deemed pre-existing, cannot be covered even after successful treatment.
Preventive Pet Insurance Options*
*Preventive care coverage is an additional cost.
Quickpay for Faster Preventive Care Reimbursement
Spot’s new QuickPay feature helps policyholders get reimbursed sooner for routine vet visits. How does it work? If you have Preventive Care Coverage added to your policy, you can put in what type of routine care your pet received at your visit (ex. Dental cleaning, deworming, wellness exam) and get reimbursed for covered services in a matter of days.
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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.
Compare Pet Insurance Providers
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
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
included not included or some inclusions
*Comparison information is provided using publicly available information as of 8/7/2020 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 [email protected]