Frequently Asked Questions

Learn about the Spot difference.

Do you have questions about pet insurance and how it works? Don’t worry, we’ve got you covered. Click the questions in the FAQ below to learn everything to know about pet insurance with Spot.

Most Commonly Asked

  • What is the Best Age to Insure My Pet?
  • What is Pet Insurance?
  • What is Accident Only Coverage?
  • What is a Pre-Existing Condition?
  • What Does Spot Cover?
  • What Does Pet Insurance Not Cover?
  • What Does Pet Insurance Cover?
  • View a sample policy
  • How Does Spot Calculate My Premium?
  • How Does Pet Insurance Work?
  • Does Spot Offer a Plan for Preventative Care or Wellness?
  • Does SPOT Have a Money-Back Guarantee?
  • Can I Sign My Pet Up Anytime?

Coverage

  • What is a Pre-Existing Condition?
  • Is Pet Insurance More Expensive for Rescues?
  • Does Pet Insurance Cover Spaying
  • Does Pet Insurance Cover Pre-Existing Conditions?
  • Does Pet Insurance Cover Exam Fees?
  • Does Pet Insurance Cover Cremation?
  • Can I Get Reimbursed for Routine Teeth Cleanings?
  • Can I Get Pet Insurance for a Rescue Dog/Cat?
  • Are There Any Incident or Lifetime Caps on Coverage?

Get Started

  • What Medical Records are Needed From My Veterinarian?
  • What if I’m Not Sure About My Pet’s Age?
  • Is There a Waiting Period for Pet Insurance?
  • Is There a Multi-Pet Insurance Discount?
  • How do I Determine if My Pet Has a Pre-existing Condition?
  • Does Spot Offer Pet Insurance Discounts?
  • Are There Any Types of Incident or Lifetime Caps?
  • Are There Any Age Requirements for Spot Pet Insurance Policies?

Administrative

  • What Happens to My Pet Insurance if I Move?
  • How Do I Cancel My Policy?
  • How Do I Appeal My Claim?
  • Do I Pay Vet Bills Up Front?
  • Can I Transfer My Policy to a New Owner?
  • Can I Change My Pet’s Coverage?
  • Can I Cancel an Insurance Claim?

Renewal

  • How Do I Renew My Policy?

Member Center FAQ's

  • Why Does Pet Insurance Go Up?
  • What if I Want to Add Pets to My Account?
  • Should I Include My Pet’s Medical Records With a Claim?
  • How Long Do I Have to File a Claim?
  • How Does My Billing Work?
  • How Do I File A Claim?
  • How Can I Find Out the Status of a Claim?
  • Do You Have a List of Veterinarians I Have to Use?

Consumer App FAQ's

  • What if I Want to Add Pets to My Account?
  • How Does My Billing Work?
  • How Do I File A Claim?
  • How Can I Find Out the Status of a Claim?