iPickPet
Menu

Compare

Up to four products side by side, on the same scale: dry matter takes the water out, and grams per 1,000 kcal puts wet and dry food together. No scores, no winners: the facts.

Fact
Spot — Accident & IllnessRemove
BrandSpot
TypeInsurance
ForCat, Dog
CoverageAccident and illness
What's coveredEligible diagnostics, surgery, hospitalization, emergency care, cancer treatment, and specialist care can be covered.
Reimbursement70% / 80% / 90% of eligible covered costs.
How reimbursement is worked outAfter the annual deductible is met, the selected reimbursement percentage is applied to eligible covered costs.
Deductible$100 to $1,000 annual deductible.
How the deductible worksAnnual deductible; met once during the policy term.
Annual limit$2,500 to $10,000, or unlimited annual coverage.
Payout limitSelected annual coverage limit, with an unlimited annual option available.
Waiting period: accidentsVaries by state; the exact accident waiting period appears in the quote and policy.
Waiting period: illnessesVaries by state; the exact illness waiting period appears in the quote and policy.
Pre-existing conditionsNot covered; some curable conditions may be eligible after 180 symptom-free and treatment-free days, excluding knee and ligament conditions.
Hereditary and congenital conditionsHereditary and congenital conditions can be covered when eligible and not pre-existing.
DentalEligible dental illnesses and injuries can be covered, subject to policy terms.
Exam feesVeterinary exam fees for eligible covered accidents and illnesses can be covered.
PrescriptionsPrescription medications for eligible covered conditions can be covered.
Preventive careOptional preventive-care add-ons are available for eligible routine services.
Which vetsUse any licensed veterinarian in the United States or Canada.
Paying the vetThe policyholder pays the veterinary provider first and receives reimbursement by direct deposit or check.
ClaimsSubmit the itemized invoice through the member center or mobile app and choose direct deposit or check for reimbursement.
Where it's offeredPlan availability and policy terms vary by state; confirm eligibility in the current quote and policy.
Checked against the sourceJuly 23, 2026

Label facts compared