Spot — Accident & Illness

Plan facts

Coverage

Accident and illness

What's covered

Eligible diagnostics, surgery, hospitalization, emergency care, cancer treatment, and specialist care can be covered.

Reimbursement

70% / 80% / 90% of eligible covered costs.

How reimbursement is worked out

After 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 works

Annual deductible; met once during the policy term.

Annual limit

$2,500 to $10,000, or unlimited annual coverage.

Payout limit

Selected annual coverage limit, with an unlimited annual option available.

Waiting period: accidents

Varies by state; the exact accident waiting period appears in the quote and policy.

Waiting period: illnesses

Varies by state; the exact illness waiting period appears in the quote and policy.

Pre-existing conditions

Not covered; some curable conditions may be eligible after 180 symptom-free and treatment-free days, excluding knee and ligament conditions.

Hereditary and congenital conditions

Hereditary and congenital conditions can be covered when eligible and not pre-existing.

Dental

Eligible dental illnesses and injuries can be covered, subject to policy terms.

Exam fees

Veterinary exam fees for eligible covered accidents and illnesses can be covered.

Prescriptions

Prescription medications for eligible covered conditions can be covered.

Preventive care

Optional preventive-care add-ons are available for eligible routine services.

Which vets

Use any licensed veterinarian in the United States or Canada.

Paying the vet

The policyholder pays the veterinary provider first and receives reimbursement by direct deposit or check.

Claims

Submit the itemized invoice through the member center or mobile app and choose direct deposit or check for reimbursement.

Where it's offered

Plan availability and policy terms vary by state; confirm eligibility in the current quote and policy.