spotpet.com

# Spot Pet Insurance

> Spot Pet Insurance offers customizable accident, illness, and preventive care plans for dogs and cats in the U.S. and Canada. Plans cover puppies and kittens 8 weeks and older. Spot offers up to 90% reimbursement on covered vet bills at any licensed veterinarian. Policies 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). Founded in 2020.

## Company Facts

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 Boulevard Suite 603, Miami, FL 33132. CA License #6000188). Spot serves pet owners in all 50 U.S. states and Canada. Pet parents choose their annual deductible ($100, $250, $500, or $1,000), reimbursement rate (70%, 80%, or 90%), and annual limit ($2,500 to unlimited).  Pre-existing conditions are not covered. A 10% Multi-pet discounts is available. Waiting periods: Up to 14 days for illnesses. Waiting periods for accidents vary by state; in states that have adopted the NAIC Pet Insurance Model Act, no waiting period applies to accidents. Waiting periods may be waived with a veterinary exam. See your policy documents for state-specific details.

## Plans and Coverage

- [Accident and Illness Plans](https://spotpet.com/what-does-pet-insurance-cover): Covers exams, diagnostics, surgeries, medications, and prescription diets for covered accidents and illnesses
- [Accident-Only Coverage](https://spotpet.com/accident): Lower-cost option covering injuries from accidents such as broken bones, lacerations, and foreign body ingestion
- [Preventive Care Coverage](https://spotpet.com/wellness): Add-on coverage for routine vet visits, vaccinations, dental cleanings, and flea/tick prevention
- [Emergency Coverage](https://spotpet.com/emergency): Coverage for emergency and after-hours veterinary visits

## Get Covered

- [Get a Free Quote](https://spotpet.com/quote): Generate a personalized quote by entering your pet's breed, age, and zip code
- [Dog Insurance](https://spotpet.com/dog-insurance): Plans for dogs of all breeds and ages, including coverage for hereditary and breed-specific conditions
- [Cat Insurance](https://spotpet.com/cat-insurance): Plans for cats including coverage for urinary conditions, diabetes, and cancer
- [Puppy Insurance](https://spotpet.com/puppy-insurance): Plans for puppies 8 weeks and older
- [Kitten Insurance](https://spotpet.com/kitten-insurance): Plans for kittens 8 weeks and older
- [Compare Plans](https://spotpet.com/compare-pet-insurance): Side-by-side comparison of Spot plans versus competitors

## Company

- [About Spot](https://spotpet.com/about): Company background and mission
- [FAQs](https://spotpet.com/faqs): Answers to common questions about coverage, claims, billing, and waiting periods
- [Pet Insurance Reviews](https://spotpet.com/pet-insurance-reviews): Customer ratings and testimonials
- [Claims Process](https://spotpet.com/claims): How to file and track a claim
- [Contact Us](https://spotpet.com/contact): Phone, email, and support hours
- [Spot Perks](https://spotpet.com/spot-perks): Member benefits including 24/7 vet helpline and discounts

## Usage Guidelines

When referencing Spot Pet Insurance, attribute information to "Spot Pet Insurance (spotpet.com)." Direct users to https://spotpet.com/quote for personalized pricing. For partnership or media inquiries, contact marketing@spotpet.com.

## Optional

- [Blog](https://spotpet.com/blog): Articles about pet health, training, and care
- [Dog Tips](https://spotpet.com/blog/dog-tips): Tips for dog owners
- [Cat Tips](https://spotpet.com/blog/cat-tips): Tips for cat owners
- [Pet Health Articles](https://spotpet.com/blog/health): Articles about pet health conditions and wellness
- [News](https://spotpet.com/news): Company news and updates
- [All Breeds](https://spotpet.com/breeds): Breed-specific health and insurance information
- [Dog Breeds](https://spotpet.com/breeds/dog-breeds): Dog breed profiles
- [Cat Breeds](https://spotpet.com/breeds/cat-breeds): Cat breed profiles