Spot Pet Insurance insurance
- pet
Last verified 2026-10-01
Every statement below is drawn from the sources listed at the foot of the page, and each fact names the one it came from.
- Official website
- https://spotpet.com/Source:Spot Pet Insuranceverified 2026-10-01
Overview
- Official website
- https://spotpet.com/Source:Spot Pet Insuranceverified 2026-10-01
Products
- Insurance products
- pet
Source:Spot Pet Insuranceverified 2026-09-30- Underwritten by
- Independence American Insurance Company or United States Fire Insurance CompanySource:Spot Pet Insuranceverified 2026-09-30
Where it is available
- States licensed
- AK
- AL
- AR
- AZ
- CA
- CO
- CT
- DC
- DE
- FL
- GA
- HI
- IA
- ID
- IL
- IN
- KS
- KY
- LA
- MA
- MD
- ME
- MI
- MN
- MO
- MS
- MT
- NC
- ND
- NE
- NH
- NJ
- NM
- NV
- NY
- OH
- OK
- OR
- PA
- RI
- SC
- SD
- TN
- TX
- UT
- VA
- VT
- WA
- WI
- WV
- WY
Source:Spot Pet Insuranceverified 2026-10-01
Coverage
- Coverage types
- Accidents
- Illnesses
- Hereditary & Congenital Conditions
- Behavioral Issues
Source:Spot Pet Insuranceverified 2026-10-01- Waiting periods
- preventative care add-on coverage has no waiting period and can be used the next daySource:Spot Pet Insuranceverified 2026-10-01
- Age restrictions
- no age limits; pets 8 weeks and older are eligibleSource:Spot Pet Insuranceverified 2026-10-01
Getting a quote
- How to get a quote
- online
Source:Spot Pet Insuranceverified 2026-10-01
Claims
- How to file a claim
- downloadable PDF claim form
Source:Spot Pet Insuranceverified 2026-10-01
Customer service
- Customer service channels
- phone
Source:Spot Pet Insuranceverified 2026-10-01
Limitations
- Notable limitations
- pre-existing conditions are not covered
Source:Spot Pet Insuranceverified 2026-10-01
Work the numbers
Tools for these insurance lines
Deterministic calculators with their method written out. None of them produce a quote.
- Deductible exposure explorerShows exactly how one loss splits between you and your insurer at each deductible level, and how much more of a loss you carry when you raise it.Open tool
- Insurance company comparisonPut two companies side by side on the facts we have verified, with the source for each one and an explicit gap where we have not verified something.Open tool
- Pet insurance comparisonWaiting periods, age restrictions, reimbursement and deductible options for the pet insurers in our database, showing only what has been verified.Open tool
Evidence
Sources behind this page
Each fact above names one of these. The tier is where the document sits in our source hierarchy, and the retrieval date is when we last pulled the page.