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Provider profile
Reviewed September 2026

Spot pet insurance

Spot Pet Insurance

Customizable accident-and-illness or accident-only coverage with annual deductible, reimbursement and annual-limit choices, plus optional preventive-care add-ons.

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Plan Snapshot

Core policy structure

Data reviewed September 2026

CoverageAccident & illness or accident-onlyChoose broader accident-and-illness coverage or an accident-only base plan.

Reimbursement70% / 80% / 90%Selected when configuring the policy.

Deductible$100–$1,000Annual deductible options under current materials.

Annual limit$2,500–UnlimitedMultiple annual-limit choices, including unlimited.

Claims modelReimbursementPay the vet, then submit the claim online, in the app, by email or mail.

Waiting periodsGenerally 14 daysAccident, illness and ligament/knee waiting-period rules vary by policy and state.

Accident & illness coverage

Broad core coverage for eligible conditions

Spot's accident-and-illness plan includes several benefits within the base policy that some providers treat as add-ons or exclusions.

IncludedVet exam feesExam fees related to covered accidents and illnesses are included. Routine wellness-exam fees require preventive coverage.

IncludedHereditary & congenital conditionsEligible inherited and congenital conditions can be covered when not excluded as pre-existing.

IncludedBehavioral issuesEligible veterinary diagnosis and treatment for covered behavioral conditions are included under current materials.

IncludedDental illness & advanced treatmentCurrent coverage materials include eligible dental illness, diagnostics, surgery and other advanced treatments subject to policy terms.

Plan options

Accident-only and preventive care choices

Spot offers two base-plan types and optional preventive-care coverage for routine veterinary expenses.

Accident-only plan

Designed for eligible injuries and emergencies such as fractures, swallowed objects, toxic ingestions and other unexpected accidents.

Accident & illness plan

Adds eligible illness coverage, including cancer, infections, digestive conditions and other covered diseases, along with accident benefits.

Gold preventive care

Optional routine-care add-on with a current annual benefit limit of $250.

Platinum preventive care

Optional routine-care add-on with a current annual benefit limit of $450.

Preventive care timing

Current Spot materials state that preventive-care add-on coverage begins the day after enrollment.

Claims & reimbursement

Annual deductible, then percentage reimbursement

Spot uses an annual deductible and percentage reimbursement model. Once the annual deductible is satisfied, eligible covered expenses are reimbursed at the selected percentage, subject to the annual limit.

How reimbursement is calculated

Spot states that reimbursement is based on the annual deductible, reimbursement rate and annual limit selected at enrollment.

Covered expenses − annual deductible × reimbursement percentage = eligible reimbursement, subject to the annual limit

Policy details

What to know before enrolling

Pre-existing conditionsPre-existing conditions are excluded under Spot policy forms. Certain curable conditions may become eligible after meeting applicable symptom-free and treatment-free requirements.

14-day waiting periodSpot states that its accident-only and accident-and-illness plans generally use a 14-day waiting period in most states, with state-specific exceptions.

No upper age limitSpot currently markets coverage without an upper age limit for enrollment.

Vet choiceCurrent materials state that plans can be used with any licensed veterinarian in the U.S. or Canada, subject to policy terms.

Microchip implantationSpot currently includes eligible microchip implantation coverage in its base plans.

Multi-pet discountSpot currently advertises a 10% multi-pet discount for additional pets, subject to state availability and program terms.

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Your quote depends on your pet, location and selected coverage.

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Sources used for this profile

Spot: What Does Pet Insurance Cover?Base-plan types and included accident-and-illness benefits.

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Spot: Reimbursements Made EasyAnnual deductible range, reimbursement options and annual-limit information.

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Spot: Accident-Only CoverageAccident-only benefits, waiting period and plan structure.

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Spot: Wellness PlansPreventive-care add-ons and routine-care coverage.

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Spot: Sample PolicyWaiting periods, cured-condition eligibility, reimbursement formula and covered expenses.

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