About Spot Pet Insurance
We believe that pets are part of the family. We strive to help them lead longer, healthier lives and reduce pet parent worry with our insurance plans and customer service.
Spot for Pet Wellness
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.
Spot works hard to deserve your trust with clear explanation of benefits and responsive associates who are ready to answer your questions. We give you a human connection, sending “get well” notes for your pets and providing access to telehealth resources.
Informed Pet Parents
When you join Spot, you join one of the fastest growing pet insurance provides. We’re a community of pet lovers dedicated to pet wellness and pet parent education. We share expert tips, tricks and knowledge and are always striving to be more informed pet parents.
Holistic Health
We stand apart from the competition with some of the most encompassing coverage options at competitive prices. Our plans include coverage options for alternative therapy, behavioral training, vitamins and supplements, and even preventative care*.
Simplicity
Car, health, home…insurance can be complicated. We want pet insurance to be easy. In the quotes, claims, and reimbursement processes, we implement technology and customer service to make your experience as simple as possible. Submit claims the way that works for you: online, email, fax, or through our app.
*Preventive care options available for extra cost.
Our Underwriter
United States Fire Insurance Company underwrites all Spot Pet Insurance plans. Crum & Forster Pet Insurance Group™ is a trademark of United States Fire Insurance Company and a brand of C&F Insurance Agency, Inc., which handles claims, billing, and customer service.
United States Fire Insurance Company was established in 1822 and began underwriting pet insurance in 2006. The Crum & Forster group of companies is rated A (Excellent) by AM Best Company (2019).
With over 1,000 employees and more than a decade of experience in pet insurance underwriting, C&F Insurance Agency brings confidence and expertise to the Spot Pet Insurance plans.
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.
