The policy will renew automatically without you having to do anything. Your renewal policy documents will outline any changes to the coverage or premium, so please review them. These will be mailed out to you 60 days prior to your policy renewing. You’ll also be notified in the Member Center and App that your plan is renewing.

Your plan will renew on the anniversary of when it was issued. Viewing your pet's coverage will show you the coverage period. You can find this in the Member Center or Spot App under the My Pets page.

The deductible is the amount you must claim in covered expenses before you can be paid any reimbursement. You do not pay it separately. Instead, the first eligible claims you submit each plan year will be applied to it until it is met.

The annual limit resets when your plan renews.

No. With a Spot plan, you pay your veterinarian for the services and then submit a claim to be reimbursed for covered expenses. You can submit claims from any licensed veterinarian in the United States or Canada.

Preventive Care Coverage can only be added at enrollment or renewal for an additional monthly cost.

When this happens, we cancel the account for the day after the pet passes. You will still be able to file any final claims.

The new pet policy was most likely done as a new enrollment, which created a new account. Please call us to combine the accounts so you can view all your policy information when you log in to the Member Center or App.

With accident & illness plans provided by Spot, there is no type of per incident limits or lifetime caps.

With Spot pet insurance plans, you pay your vet bill as you normally would, and then you submit your claim to get reimbursed for eligible expenses, based on the parameters of your coverage.