How Does Pet Insurance Work?

Pets are beloved members of our families. They bring joy and companionship, and we want to provide them with the best possible care. However, accidents and illnesses can happen unexpectedly, and veterinary care can be expensive. That's where pet insurance comes in. Pet insurance is a great way to make sure that you can give your pet the care they deserve, should they ever fall sick or become injured.

Pet insurance is a type of insurance that covers the cost of eligible veterinary care for pets. It works similarly to human health insurance, where pet parents pay a premium in return for coverage of eligible medical expenses related to their pet's health.

Spot Pet insurance provides coverage for the eligible costs of covered veterinary care for dogs and cats. Here's how it works:

1. Choose a Policy: Pet owners choose a Spot plan that fits their budget and their pet's needs. Spot’s customizable plans allow you to choose your annual limit, deductible and reimbursement rate.
    
2. Visit Any Vet: If your pet becomes sick or injured, take them to any licensed veterinarian for treatment – no networks. You pay for the treatment upfront, then submit a reimbursement claim.
    
3. Submit a Claim: Pet owners can submit a claim for reimbursement easily online, in the Spot app, or via fax.
    
4. Reimbursement: Get cash back quickly for covered vet bills either direct deposit or check – your choice. Receive up to 90% back on eligible vet bills with plans from Spot Pet Insurance!
    
5. Extra Benefit: Spot Pet Insurance plans offer immediate access, at no additional cost, to a 24/7 helpline for pet health, behavior, and wellness questions powered by VetAccess™.
    

Give your pets the care they deserve and help save yourself from expensive vet bills with Spot Pet Insurance. AAA members can get up to 20%* off Spot plans—10% off the first pet on every policy, plus an additional 10% multi-pet discount on all additional pets.

Disclaimer: *Includes a 10% member discount on every pet, plus a 10% multi-pet discount on all additional pets. Discounts may vary. Not available in TN or HI. Pre-existing conditions are not covered. Waiting periods, annual deductibles, co-insurance, benefit limits, and exclusions may apply. For all terms and conditions view your policy documents or visit spotpetins.com/sample-policy. Preventive Care reimbursements are based on a schedule. Accident and illness Coverage reimbursements are based on the invoice. Products, schedules, discounts, and rates may vary and are subject to change. Insurance plans are underwritten by either Independence American Insurance Company (NAIC #26581. A Delaware insurance company located at 11333 N. Scottsdale Rd, Ste. 160, Scottsdale, AZ 85254) or United States Fire Insurance Company (NAIC #21113. Morristown, NJ), and are produced by Spot Pet Insurance Services, LLC. (NPN # 19246385. 990 Biscayne Blvd Suite 603, Miami, FL 33132. CA License #6000188).