<h3>Bottom Line</h3>
<p>Spot has fairly flexible policies for cat and dog insurance that you can customize by choosing your own annual coverage limit, deductible, and reimbursement level. You can also get preventive care coverage as an add-on to your standard plan. Although the policies might not be as budget-inclusive, one advantage is that you can take your pet to any licensed veterinarian or clinic in the US.</p>


<p>Spot Pet Insurance is a provider that offers flexible insurance plans for dogs and cats. Pet owners are promised that their fur baby’s health and wellness are the top priority with first-class service and pet-focused coverage. Spot Pet Insurance tries to stand out from its competition by offering some of the most comprehensive policy coverage options with competitive pricing. You can get an insurance policy that covers accidents and illnesses, accident-only, and preventive care add-on. You also get to set your annual payout cap, your deductible, and reimbursement level.</p>
<p>Aside from flexible plan choices, Spot also offers discounts to pet owners enrolling multiple pets. if you have an older pet, you don’t need to worry because they do not have a maximum age limit for eligibility. One of the downsides with Spot is that their policies only cover cats and dogs at the moment. If you want to get preventive care coverage, you would also need to pay additional since it’s not included in their standard accident-only or accident and illness plans.</p>
<h3>What items are covered?</h3>
<p>A Spot Pet Insurance policy will cover accidents, illnesses, and injuries as well as emergency exams and treatment like MRIs and X-rays. The coverage list also includes behavioral treatment, prescription food, and medication from a vet. Your policy will also cover chronic and hereditary conditions and alternative therapies that are used for treating a condition covered by the policy.</p>
<h3>What’s not covered?</h3>
<p>Just like most insurance providers, pre-existing conditions will not be covered by Spot’s policy even if the said condition can be cured. They also do not cover routine care such as physical exams and dental cleaning unless you have the preventive care add-on. If you have an accident-only plan, only medical bills that result from the accident will be covered.</p>


<p>Spot turned out to be a boon for me and my pet dog, Hunk! I purchased Spot’s services right after I had adopted Hunk and never had to file a claim ever. However, when he met with an accident and injured his foreleg, Spot rightfully covered the surgery expenses. I didn’t have to pay a single dollar and that really helped pull off a lot of stress from my mind. Within months, Hunk was back to good health, running around our backyard like before. Thank you again!</p>


Mart Casey – Spot

VetAccess 24/7 pet tele-health helpline

<h3>How much does a plan cost?</h3>
<p>Your pet’s age and breed will determine how much your insurance policy will cost. The annual payout cap, deductible, and reimbursement level will also factor into the equation. Here’s a sample of how much you will pay for a cat and god at different criteria levels:</p>
<p><strong>Cat Insurance</strong></p>
<table width="638">
<tbody>
<tr>
<td width="213"></td>
<td width="213">Sample Policy 1</td>
<td width="213">Sample Policy 1</td>
</tr>
<tr>
<td width="213">Breed</td>
<td width="213">Mixed breed cat</td>
<td width="213">Mixed breed cat</td>
</tr>
<tr>
<td width="213">Age</td>
<td width="213">2 years old</td>
<td width="213">2 years old</td>
</tr>
<tr>
<td width="213">Deductible</td>
<td width="213">$250</td>
<td width="213">$100</td>
</tr>
<tr>
<td width="213">Reimbursement Level</td>
<td width="213">80%</td>
<td width="213">90%</td>
</tr>
<tr>
<td width="213">Annual Cap</td>
<td width="213">$4,000</td>
<td width="213">$7,000</td>
</tr>
<tr>
<td width="213">Price Per Month</td>
<td width="213">$17.01</td>
<td width="213">$28.54</td>
</tr>
</tbody>
</table>
<p><strong>Dog Insurance</strong></p>
<table width="638">
<tbody>
<tr>
<td width="213"></td>
<td width="213"><strong>Sample Policy 1</strong></td>
<td width="213"><strong>Sample Policy 1</strong></td>
</tr>
<tr>
<td width="213">Breed</td>
<td width="213">Australian Shepherd</td>
<td width="213">Australian Shepherd</td>
</tr>
<tr>
<td width="213">Age</td>
<td width="213">3 years old</td>
<td width="213">3 years old</td>
</tr>
<tr>
<td width="213">Deductible</td>
<td width="213">$1,000</td>
<td width="213">$100</td>
</tr>
<tr>
<td width="213">Reimbursement Level</td>
<td width="213">70%</td>
<td width="213">90%</td>
</tr>
<tr>
<td width="213">Annual Cap</td>
<td width="213">$2,500</td>
<td width="213">$5,000</td>
</tr>
<tr>
<td width="213">Price Per Month</td>
<td width="213">$14.64</td>
<td width="213">$52.67</td>
</tr>
</tbody>
</table>
<p>Enrolling multiple pets makes you eligible for a 10% discount for each additional pet. All insurance policies have a 14-day waiting period before they take effect. The 30-day guarantee ensures that you will get your reimbursement within a month of submitting a claim.</p>
<p>Setting your annual cap, deductible, and reimbursement level</p>
<p>You can choose from a $ 2,500 annual payout limit per year or have a policy with unlimited coverage. For deductibles, your options are $100, $250, $500, $750, and $1,000 annually. The reimbursement level can be set to 70, 70, or 90 percent.</p>


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