America's Favorite Pet Insurance

Yes, we offer a 10% multi-pet discount^(a) on all pets enrolled after the first.

No, there is no upper age limit for coverage or enrollments.

You can enroll your pet in a plan from Spot as soon as they’re 8 weeks old.

We advise all pet parents to insure their pets at a young age. Don’t let your pet develop a pre-existing condition before they’re insured.

Yes, you can add preventive care coverage to your policy for an additional cost.

When you add preventive care coverage, you'll be reimbursed up to the predetermined amount for the cost of routine care services like vaccines and wellness exams.

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.

Yes! Plans provided by Spot offer a 30-day money-back guarantee⁽ⁱ⁾. 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 filed. There is a 15-day money back guarantee in ME, LA, and WA. Not available in NY.

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 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.
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‍WAITING PERIODS
There is a 14-day waiting period for accidents and illnesses in most states.

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 preventive care coverage.  You can learn more about waiting periods in your state by getting a quote.

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‍PRE-EXISTING CONDITIONS
Pet Insurance plans provided by Spot do not cover 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 is considered a pre-existing condition. This includes conditions that are related to, secondary, or resultant from a pre-existing condition.  

Submitting claims is fast and easy via the Spot app or Member Center. Simply upload your paperwork, which can include our itemized vet bill and sometimes your pet's medical records, and submit. Approved claims can be reimbursed by direct deposit or mailed check.