Spot
Accident & Illness
Customizable accident & illness coverage with unlimited-limit options, exam fees and cured-condition coverage.
$$ Mid-rangeAccident & illness
- Reimburses
- 70/80/90%
- Annual limit
- Unlimited
- Deductible
- Annual
- Exam fees
- Covered
- Accident wait
- 14 days
- Illness wait
- 14 days
Sample monthly cost
$75.01 — 1-year-old giant mixed-breed dog, unlimited limitSpot's own advertised example ($500 deductible, 90% reimbursement).
- Deductible
- Annual deductible — choose it on your quote (Spot's examples use $500).
- Annual limit
- Annual limits from $2,500 up to unlimited; no lifetime caps.
- Exam fees
- Exam fees for covered accidents and illnesses are reimbursed; wellness exams need the preventive add-on.
- Dental
- Dental accidents and illness are covered for teeth and gums; routine cleanings need the preventive add-on.
- Alternative therapy
- Rehab and alternative therapies for covered conditions are included.
- Wellness
- Optional preventive care add-on for wellness exams and routine care.
- Waiting periods
- Accidents 14 days, illness 14 days. 14-day waiting period in most states.
- Cured pre-existing conditions
- Cured conditions can be covered once symptom-free for 180 days — not knee and ligament conditions.
- Eligibility
- No maximum enrollment age. Minimum age 8 weeks. Sold in every state.
- Multi-pet discount
- 10% on additional pets
- Underwriter
- Independence American Insurance Company or United States Fire Insurance Company
Good to know
- •No upper enrollment age; no vet exam needed to enroll
- •Cured conditions covered after 180 symptom-free days
- •Unlimited annual limit available
- •10% multi-pet discount
Watch out for
- !14-day waiting period applies to accidents too (most states)
- !Knee and ligament conditions can't become eligible once pre-existing