America’s most loved
pet health insurance.

What is pet insurance?

Pet insurance is for paw-rents seeking a financial safety net for accidents or illnesses that their pets might experience in the future. Pet insurance plans provided from Spot have deductibles, reimbursement percentages, annual limits, and premiums.

How does pet insurance work?

Once you have your custom pet insurance policy and have paid your premium on a monthly or annual schedule, you carry on as usual! When you need to visit the vet for a covered condition, you can submit a claim for reimbursement of the eligible expenses.

‍DEDUCTIBLES
‍Your annual deductible amount applies during each policy period. You must satisfy your annual deductible before your reimbursements start.

‍PAYOUTS
‍You get to select your reimbursement percentage when you enroll in a plan provided by Spot. Once your deductible is met, you will be reimbursed for eligible expenses according to the reimbursement percentage you select.

‍PREMIUMS
‍This is the amount you pay for pet insurance.FETCH A FREE QUOTE to see your premium today.

‍WAITING PERIODS
‍There is a 14-day waiting period for coverage. The waiting period begins on the first effective date of the applicable coverage. Any condition that occurs during an applicable waiting period is a pre-existing condition and is not eligible for coverage.There is no waiting period for preventive care coverage if you choose to add it to your plan. Find more information on preventative care coverage here.

‍PRE-EXISTING CONDITIONS
‍Illness, disease, injury, or change to your pet’s health that first occurs or shows symptoms before coverage is effective or during a waiting period. This includes conditions that are related to, secondary, or resultant from a pre-existing condition. Pet Insurance plans provided by Spot do not cover pre-existing conditions.Visit our dog insurance and cat insurance pages for more information about plans.

What is the best age to insure my pet?

Plans provided by Spot don’t have an upper age limit for new enrollments or coverage. We advise all pet parents to insure their pets at a young age. You can enroll your pet in a plan from Spot as soon as they’re 8 weeks old. Don’t let your pet develop a “pre-existing condition” before they’re insured.

Does spot offer a plan for preventive care coverage?

Yes, you can add preventive care coverage to your policy for a little more cost. When you add preventive care coverage, you’ll be reimbursed up to the scheduled amount for things that help protect your pet from getting sick. You don’t have to satisfy your deductible before you can be reimbursed for preventive care coverage benefits, and there is no waiting period for them either. Find more information on preventative care coverage here.

Do plans provided by spot have a money-back guarantee?

Plans provided by Spot offer a 30-day money-back guarantee, so feel free to take a look and see what a SPOT plan can do for you and your pet. If, within the first 30 days of your policy you wish to cancel, you can get a full refund of the premium amount. The 30-day money-back guarantee is available if no claims have been covered. It’s not available in NY or ME.

Are there any age limits?

You can enroll your pet in a plan provided from Spot once your pet is 8 weeks old or older. There is no upper age limit for coverage or enrollments.