Like all pet insurance providers, we have exclusions.
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.
View our sample policy by clicking here
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.
With plans starting at less than a cup of coffee per day*, receive thousands in reimbursement dollars for covered conditions.
Very easy claim process and insanely quick claim payout. Very impressive, never expected anything like this from an insurance company.
- Sergei P. 1/6/21.
Pet insurance covers your dog or cat in case of unexpected injuries or illnesses.
With SPOT, you can customize your coverage to best suit the needs of you and your pet.
HEREDITARY & CONGENITAL CONDITIONS
As a thank you for enrolling in Spot Pet Insurance, we will provide you with immediate access to a 24/7 helpline for pet health, behavior, and wellness questions powered by VetConnect™.
Your questions will be answered by veterinary experts at no additional cost!