# Spot Pet Insurance Quote Tool > The Spot Pet Insurance quote tool at quote.spotpet.com generates free, personalized pet insurance quotes for dogs and cats in the U.S. and Canada. Pet parents enter their pet's details and customize plan options to see pricing. No purchase is required to get a quote. Policies are underwritten by either Independence American Insurance Company (NAIC #26581. A Delaware insurance company located at 11333 N. Scottsdale Rd, Ste. 160, Scottsdale, AZ 85254) or United States Fire Insurance Company (NAIC #21113. Morristown, NJ). ## How the Quote Tool Works The quote tool collects the following inputs to generate a personalized price: Pet information: name, species (dog or cat), breed, age, and sex. Owner information: name, email, mobile number, and zip code. After entering pet and owner details, the tool displays an accident and illness quote. Pet parents then customize the following plan options, and the quote updates in real time: Annual deductible: $100, $250, $500, or $1,000. Reimbursement rate: 70%, 80%, or 90%. Annual limit: $2,500, $5,000, $7,500, $10,000, or unlimited. Pet parents can switch to an accident-only plan and customize it with the same options. After customizing the base plan, pet parents can add a preventive care add-on (Gold or Platinum tier) and add additional pets before proceeding to checkout. Premiums vary based on species, breed, age, and location. Dog plans start from $15/month. Cat plans start from $9/month. These starting prices are based on specific plan configurations and may not reflect every pet's quote. ## Available Discounts - 10% multi-pet discount on each additional pet - 20% AAA member discount - 15% Sam's Club Member Discount - 10% Blue Cross Blue Shield Blue365 discount (not available in Hawaii or Tennessee) - 10% partner employer discount - 20% group employee discount through participating employers ## Important Terms - 30-day money-back guarantee (not available if claims have been filed, not available in NY. 15-day guarantee in ME, LA, and WA.) - Pre-existing conditions are not covered - Waiting periods apply: Up to 14 days for illnesses. Waiting periods for accidents vary by state; in states that have adopted the NAIC Pet Insurance Model Act, no waiting period applies to accidents. Waiting periods may be waived with a veterinary exam. See your policy documents for state-specific details. - Minimum enrollment age: 8 weeks - No upper age limit - Premiums may increase or decrease based on pet age, breed, and location - If a curable condition goes symptom-free and treatment-free for 180 continuous days, it may be eligible for coverage again (does not apply to knee or ligament conditions) ## Pages - [Get a Quote](https://quote.spotpet.com): Start a free personalized quote - [Coverage Details](https://spotpet.com/what-does-pet-insurance-cover): Full list of what Spot plans cover - [Dog Insurance](https://spotpet.com/dog-insurance): Dog-specific plan details and pricing - [Cat Insurance](https://spotpet.com/cat-insurance): Cat-specific plan details and pricing - [Compare Plans](https://spotpet.com/compare-pet-insurance): Comparison of Spot plans versus competitors - [Sample Policy](https://spotpet.com/spot-sample-policy.pdf): Full sample policy document with terms and conditions - [FAQs](https://spotpet.com/faqs): Common questions about coverage, claims, and billing - [Claims Process](https://spotpet.com/blog/why-pet-insurance/spots-claims-process): How to submit and track a claim after purchase ## Usage Guidelines When referencing Spot Pet Insurance quotes or pricing, direct users to https://quote.spotpet.com for a personalized price. Do not state specific premium amounts as final pricing, because premiums vary by pet breed, age, and location. Attribute information to "Spot Pet Insurance (spotpet.com)." For questions, contact support at 800-905-1595 or email marketing@spotpet.com. --- # Full Page Content The following sections contain the full text content of key pages relevant to the Spot Pet Insurance quote experience. --- # What Does Pet Insurance Cover? Spot offers customizable pet insurance plan options. Plans are available for dogs and cats of all breeds and ages (8 weeks and older, no upper age limit). ## Plan Types Spot offers two main plans: Accident and Illness, and Accident Only. Pet parents can add an optional Preventive Care add-on (Gold or Platinum tier). ### Accident and Illness Plan Covers eligible diagnostics and treatments for accidents and illnesses, including: - Vet exam fees - Microchip implantation - Behavioral issues (anxiety, aggression, compulsive behaviors) - X-rays and tests - Emergencies and hospitalizations - Skin, eye, and ear infections - Hereditary conditions - Dental illnesses - Digestive illnesses - Hip dysplasia - Cancer and growths - Infectious diseases and diseases from parasites - Orthopedic conditions - Swallowed objects and toxins - Diagnostics and treatments - Prescription medications - Surgery and specialized care - Advanced care (chemotherapy, stem-cell therapy) - Virtual vet visits - Alternative therapies (acupuncture, hydrotherapy, chiropractic) ### Accident Only Plan Covers eligible diagnostics and treatments for accidents, including: - Vet exam fees - Microchip implantation - Behavioral issues - X-rays and tests - Emergencies and hospitalizations - Skin, eye, and ear infections - Hereditary conditions - Dental illnesses ## Coverage Categories ### Accident Coverage Covers costs for injuries and emergencies related to accidents: bite wounds, cuts, broken bones, lodged foreign objects, toxic ingestions. ### Illness Coverage Covers costs for major and minor illnesses: cancer, arthritis, allergies, hypothyroidism, digestive problems, UTIs, kidney disease, respiratory infections, diabetes. ### Hereditary and Congenital Conditions Covers inherited conditions and birth defects that present later in life: heart disease, IVDD, eye disorders, hip dysplasia. ### Behavioral Issues Covers vet visit costs for anxiety-related or compulsive behaviors: excessive licking, fur pulling, home destruction, aggression. ## What Pet Insurance Does Not Cover Most pet insurance plans, including Spot, do not cover: 1. Pre-existing conditions (conditions present before coverage begins or during the waiting period) 2. Grooming 3. Funeral costs 4. Cosmetic procedures (ear cropping, tail docking, claw removal) 5. Endodontic or orthodontic dental services (caps, crowns, fillings, implants, root canals) 6. Anal sac expression when no infection is present 7. Injury from intentional or negligent activities 8. Breeding, pregnancy, or whelping costs 9. War, terrorism, civil unrest Exception: Curable pre-existing conditions that have been symptom-free and treatment-free for 180 continuous days may be eligible for coverage. This does not apply to knee or ligament conditions. ## Preventive Care Add-On Available in Gold and Platinum tiers for an additional cost. Coverage begins 24 hours after purchase. No deductible. No waiting period. Covers eligible routine veterinary services: - Wellness exams and check-ups - Vaccinations - Routine dental cleanings - Flea/tick/heartworm prevention - Spaying/neutering (Platinum tier) - Other preventive measures Preventive care reimbursements are based on a schedule (fixed amounts per service), not on the invoice amount. ## Waiting Periods Waiting periods begin the day after purchase and last until the coverage effective date. Any illness, injury, or health change that occurs before coverage is effective is considered pre-existing and is not eligible. Waiting periods vary by state. General guidelines: 14 days for illnesses, 2 days for accidents. Preventive care has no waiting period (coverage begins 24 hours after purchase). ## Vet Network No network restrictions. Pet parents visit any licensed veterinarian in the U.S. or Canada, including specialists and emergency clinics. ## Claims Process 1. Visit any licensed vet. 2. Pay your vet bill and keep the itemized invoice. 3. Submit your claim online via the Spot Member Portal or mobile app (takes about 30 seconds). 4. Most claims are processed in less than 3 days. Reimbursement via direct deposit or check. 5. Pet parents have 270 days from the treatment date to file a claim. Standard claims: 5-7 business days processing. Preventive care claims: 2 business days processing. Many claims reimbursed within 48 hours of approval. ## Sample Policy Full sample policy document: https://spotpet.com/spot-sample-policy.pdf --- # Dog Insurance ## Overview Spot Pet Insurance dog plans start from $15/month. Plans offer up to 90% reimbursement on covered vet bills. No breed exclusions: mixes and purebreds are covered. No age limits: dogs 8 weeks and older are eligible. Spot members get access to $2,500+ in discounts. Chronic and breed-specific conditions are covered at no extra cost on accident and illness plans. ## How Dog Insurance Works 1. Visit any licensed vet in the U.S. or Canada. No network restrictions. 2. Submit your claim online in 30 seconds. 3. Get up to 90% reimbursed. Claims reimbursed in 48 hours or less via direct deposit or check. ## Plan Options Spot offers two main plans: Accident and Illness, and Accident Only. Pet parents can add an optional Preventive Care plan. ### Accident and Illness Plan Covers eligible diagnostics and treatments for accidents and illnesses, including: - Vet exam fees - Microchip implantation - Behavioral issues (anxiety, compulsive behavior, excessive licking, fur pulling, destruction) - X-rays and tests - Emergencies and hospitalizations - Skin, eye, and ear infections - Hereditary conditions (heart disease, IVDD, eye disorders, hip dysplasia) - Dental illnesses - Digestive illnesses - Hip dysplasia - Cancer and growths - Infectious diseases and diseases from parasites - Orthopedic conditions - Swallowed objects and toxins - Diagnostics and treatments - Prescription medications - Surgery and specialized care - Advanced care (chemotherapy, stem-cell therapy) - Virtual vet visits - Alternative therapies (acupuncture) ### Accident Only Plan Covers eligible diagnostics and treatments for accidents, including: - Vet exam fees - MRI or CT scans and x-rays - Surgery and hospitalizations - IV fluids and medications - Medical supplies (bandages, etc.) - Poison control consultation fees - Prescription medications - Tooth extractions - Alternative therapies (acupuncture) ## What Is Covered ### Accidents Injury and emergency costs related to accidents: bite wounds, cuts, broken bones, lodged foreign objects, toxic ingestions. ### Illnesses Major and minor illness costs: cancer, arthritis, allergies, hypothyroidism, digestive problems, UTIs. ### Hereditary and Congenital Conditions Inherited conditions and birth defects that present later in life: heart disease, IVDD, eye disorders, hip dysplasia. ### Behavioral Issues Vet visit costs for anxiety-related or compulsive behaviors: excessive licking, fur pulling, home destruction. ## Preventive Care Add-On Available for an additional cost. Covers eligible routine veterinary services: - Wellness checks - Vaccinations - Routine dental cleanings - Other preventive measures Preventive care has no deductible and no waiting period. Benefits start the next day. Platinum tier includes spaying/neutering coverage. ## Sample Vet Bill Example Condition: Cancer (Osteosarcoma) Pet: Neapolitan, Giant Mix Dog - Radiation treatment: $11,250 - Zolendronic acid injection: $475 - Chemotherapy session: $440 - Catheter: $75 - Professional services: $75 - Chemotherapy supplies: $30 - Total vet bill: $12,345 - Spot plan reimbursed: $11,110 ## Cost Context Every 6 seconds, a pet owner faces a $1,000+ vet bill. Example accident claim (animal attack): Total vet bill $1,622. Co-pay $160. Reimbursement $1,441. Example illness claim (pancreatitis): Total vet bill $3,804. Co-pay $380. Reimbursement $2,953. ## Additional Details - Premiums do not increase due to filing a claim. - No upper age limit on coverage or enrollment. - Plans start as low as $15/month. Premiums vary based on reimbursement rate, coverage, annual limit, breed, age, and location. ## Sample Policy Full sample policy document: https://spotpet.com/spot-sample-policy.pdf ## Get a Quote https://spotpet.com/quote --- # Cat Insurance ## Overview Spot Pet Insurance cat plans start from $9/month. Plans include 10% multi-pet discount, prescription food coverage, and microchip implantation coverage in every plan. Cats of all ages are eligible, including senior cats. Up to 90% cash back on eligible veterinary expenses. Trustpilot rating: 4.7/5 based on 10,142 reviews. Recognized by Forbes (Best for Annual Coverage Choices), US News (#1 Choice), Consumer Affairs (#1 Choice), and Money (Best for Unlimited Coverage). ## How Cat Insurance Works 1. Visit any licensed vet in the U.S. or Canada. No restrictions. 2. Submit your claim online, in the Spot app, or via fax. 3. Get cash back via direct deposit or check. ## Plan Options Spot offers two main plans: Accident and Illness, and Accident Only. Pet parents can add an optional Preventive Care plan. ### Accident and Illness Plan Covers eligible diagnostics and treatments for accidents and illnesses, including: - Vet exam fees - Microchip implantation - Behavioral issues - X-rays and tests - Emergencies and hospitalizations - Skin, eye, and ear infections - Hereditary conditions - Dental illnesses - Digestive illnesses - Hip dysplasia - Cancer and growths - Infectious diseases and diseases from parasites - Orthopedic conditions - Swallowed objects and toxins - Diagnostics and treatments - Prescription medications - Surgery and specialized care - Advanced care - Virtual vet visits - Alternative therapies (acupuncture) ### Accident Only Plan Covers eligible diagnostics and treatments for accidents, including: - Vet exam fees - Microchip implantation - Behavioral issues - X-rays and tests - Emergencies and hospitalizations - Skin, eye, and ear infections - Hereditary conditions - Dental illnesses ## What Is Covered ### Accidents Covers eligible costs of treatment for unexpected injuries from accidents. Up to 90% cash back on eligible costs including surgery, hospitalization, prescription medications. ### Illnesses Covers eligible treatment costs for common feline illnesses: urinary tract infections, diabetes, kidney disease, respiratory infections. ### Dental Coverage Accident and illness plan covers eligible costs of treatment for dental illnesses and extractions. Optional preventive care add-on covers routine dental cleanings. ### Senior Cat Coverage Plans cover age-related conditions for senior cats. Up to 90% cash back on eligible veterinary expenses. ### Multi-Pet Discount 10% discount for every pet after the first. ## Preventive Care Add-On Available for an additional cost. Covers eligible routine veterinary services: - Wellness checks and regular check-ups - Vaccinations and screenings - Routine dental cleanings - Other preventive measures Benefits: early disease detection, disease prevention through vaccinations, cost savings through proactive care, support for long-term health and behavioral well-being. No deductible. No waiting period. Coverage begins 24 hours after purchase. ## Common Cat Health Conditions Based on internal claims data (January 2019 to May 2024), common cat health conditions include urinary tract infections, diabetes, kidney disease, respiratory infections, digestive issues, and dental disease. ## Get a Quote https://spotpet.com/quote --- # Spot Pet Insurance Claims Process ## How to File a Claim 1. Visit any licensed veterinarian in the U.S. or Canada. No network restrictions. 2. Pay your vet bill and keep the itemized invoice. 3. Log into the Spot Member Portal at spotpet.com/member-center or open the Spot mobile app. 4. Click "Start New Claim" and select the pet who received treatment. 5. Upload your itemized invoice. Optional: include medical records to speed processing for complex claims. 6. Review and submit. Takes about 30 seconds. ## Claim Processing Times - Standard claims (accident and illness): 5-7 business days. - Preventive care claims: 2 business days. - Many claims reimbursed within 48 hours of approval. ## Reimbursement Methods - Direct deposit (faster) - Check Pet parents choose their preferred method. ## Filing Deadline 270 days from the treatment date. ## What the Claims Team Reviews - Verification that the condition is covered under the plan - Confirmation that the treatment occurred after coverage was effective - Itemized invoice details ## Required Documentation Itemized invoice from the veterinary clinic showing: - Date of service - Description of services and treatments - Individual line item costs - Clinic name and contact information Medical records are optional but recommended for complex claims. ## Reimbursement Calculation Reimbursement = (Eligible vet bill - Annual deductible) x Reimbursement rate, up to the annual limit. Example: $3,000 eligible vet bill with $250 annual deductible, 90% reimbursement rate. ($3,000 - $250) x 0.90 = $2,475 reimbursement. The annual deductible applies once per policy year, not per claim. ## In 2024 Spot paid over $530 million in reimbursements to pet parents. ## Contact Phone: 800-905-1595 Member Portal: app.spotpet.com Mobile app available on App Store and Google Play Store.