CostByBreedWhat Spot's own policy documents say, captured on October 27, 2026, restated in plain words. Where the documents do not say, this page does not guess.
The policy facts
| Policy point | What the documents say |
|---|---|
| Accident waiting period | 14 days |
| Illness waiting period | 14 days |
| Orthopedic waiting period | 14 days. The sample policy states a single 14 day waiting period for diagnosis, treatment or surgery related to accidents, illnesses and ligament and knee conditions, with no separate longer orthopedic period in that policy. |
| Hereditary and congenital conditions | Covered. Spot's own pages list congenital and hereditary conditions among covered illnesses, and its welcome materials list hereditary conditions as covered, provided they are not pre-existing. |
| Two sided (bilateral) conditions | Spot's sample policy defines ligament and knee conditions as bilateral conditions, meaning an occurrence on one side is considered related regardless of cause. Its cured condition rule does not apply to ligament and knee conditions, and its FAQ for new Spot customers says if a knee or ligament condition occurs before the coverage effective date or during a waiting period, any future ones will not be covered. |
| Pre-existing conditions | A pre-existing condition is an illness, disease, injury or change to the pet's health that first occurs or shows symptoms before coverage is effective or during a waiting period, including related, secondary or resultant conditions. If a pre-existing condition is curable, has been cured, and has been free from treatment and symptoms for 180 days, it is treated as a new occurrence. This does not apply to chronic conditions or ligament and knee conditions. |
| Exam fees | Covered. Spot's own pages and welcome materials list vet exam fees among covered expenses for accidents and illnesses. |
| Dental illness | Covered. Spot lists dental illnesses among covered illnesses on its own pages. The sample policy covers tooth extractions, and excludes aesthetic, cosmetic, endodontic or orthodontic dental services such as caps, crowns, fillings, implants and root canals, and excludes dental cleanings unless used to treat a covered illness or covered by an endorsement. |
| Age rules | Pets can be enrolled from 8 weeks old, with no upper age limit for new enrollments or coverage, according to Spot's own FAQ pages. |
| How claims are paid | Actual costs for covered expenses, reimbursed after subtracting the annual deductible and applying the reimbursement percentage listed on the declarations page, subject to the annual limit, according to the sample policy. |
| The insurer's own published example | Spot's own breed cost page says dog insurance plans start at $15 per month and cat insurance plans start at $9 per month, footnoted as an accident and illness plan with 80 percent reimbursement, a $500 annual deductible and a $2,500 annual limit for a 2-year-old small mixed dog (11 to 25 lbs) in ZIP 32009 for the dog price, and 80 percent reimbursement, a $750 annual deductible and a $2,500 annual limit for a 2-year-old mixed cat in 33801 for the cat price. |
The insurer's own price example
Spot's own breed cost page says dog insurance plans start at $15 per month and cat insurance plans start at $9 per month, footnoted as an accident and illness plan with 80 percent reimbursement, a $500 annual deductible and a $2,500 annual limit for a 2-year-old small mixed dog (11 to 25 lbs) in ZIP 32009 for the dog price, and 80 percent reimbursement, a $750 annual deductible and a $2,500 annual limit for a 2-year-old mixed cat in 33801 for the cat price.
That is the insurer's own published figure, in its own context. It is not a quote for your pet, and this site does not present it as one.
What stands out
Its accident waiting period is 14 days.
It runs a curable condition rule, so some conditions that existed before the policy can be covered again. The policy facts above carry the exact terms.
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Spot runs no affiliate program this site can join, so there is no quote button for it here. It stays in the comparison tables because leaving it out would make the tables less honest.