Pet Medical Advice Online
whiskerDocs® 24/7 pet tele-health helpline is available to all Spot customers upon enrollment. Not part of the Spot family yet? Get your free quote to see all the ways Spot can help you protect your pet's health.
Access to 24/7 Helpline
As a thank you for enrolling in Spot Pet Insurance, we provide you with immediate access to whiskerDocs 24/7 helpline for pet health, behavior, and wellness questions. Your questions are answered by veterinary experts at no additional cost. There's no waiting period, you can access the whiskerDocs feature from your Spot portal as soon as you log in.
Examples of What You Can Ask Vet Telehealth Specialists
- My dog isn't being herself. What might be wrong?
- My cat seems sick. Should I take him to the ER, or can he wait to see his regular vet?
- My dog swallowed a sock. How can I tell if she has a blockage, and how much would surgery for it cost?
- Are the side effects my dog is experiencing from her new medication normal?
When in doubt, vet telehealth specialists give you convenient and quick access to expertise on the platform of your choice.
While whiskerDocs specialists can’t diagnose or provide treatment plans, they can offer support and guidance, so don't hesitate to use this service!
Spot Pet Insurance App
If you do have to take your pet to the vet for an emergency visit (we hope not!), you can stay tech-savvy and submit your claim through our app.
And if you have questions about what your insurance plan covers at the vet, please visit our FAQs page or see our Sample Policy and enter your state and policy type.
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.