Spot
Accident & Illness
Dogs & catsAccident + illness
Plan facts read from the provider's official pages; last reviewed 2026-07-23. Facts vary by state, pet age, and breed — confirm every detail on the official policy documents before purchasing.
Coverage terms
- Region availability
- Plan availability and policy terms vary by state; confirm eligibility in the current quote and policy.
- Annual limit options
- $2,500 to $10,000, or unlimited annual coverage.
Costs
- Reimbursement options
- 70% / 80% / 90% of eligible covered costs.
- Deductible options
- $100 to $1,000 annual deductible.
Waiting periods
- Accident
- Varies by state; the exact accident waiting period appears in the quote and policy.
- Illness
- Varies by state; the exact illness waiting period appears in the quote and policy.
- Orthopedic
- Not available
Eligibility
- Pre-existing conditions
- Not covered; some curable conditions may be eligible after 180 symptom-free and treatment-free days, excluding knee and ligament conditions.
- Enrollment age limits
- Not available
Exclusions
- Exclusions summary
- Not available
Source
Official provider page: spotpet.com · last reviewed 2026-07-23