Spot Pet Insurance

Spot Pet Insurance will not pay for costs associated with or resulting from the following:

• Elective Procedures

  • Aesthetic, cosmetic, endodontic, or orthodontic dental services such as caps, crowns or crown amputation, fillings, implants, root canals, or planing

  • Including but not limited to claw removal, ear cropping, and tail docking

• Anal Sac Expression Treatment and/or resection when no infection is present

• Boarding

• Breeding

  • Includes pregnancy, whelping, or nursing

• Dental Cleanings

  • Unless used to treat a covered illness or covered by an applicable endorsement

• Funeral Services

  • Including memorial items, urns, caskets, or burial plots/fees

• Grooming

• Herbal and Herbal-Like Products

  • Including cannabis (CBD) and food products

• Ligament and Knee Conditions

• Non-Medical Supplies

  • Such as, but not limited, to toys, leashes, ramps, bedding, or other devices intended to prevent injury or illness, but that do not treat a condition

  • Including but not limited to non-prescription baths, ear cleanings, non-prescription shampoos and nail trims

• Non-Veterinary Services

  • Including but not limited to administrative fees, medical records expenses, medical waste, discount package or membership fees, postage, and tax

• Organ or Heart Valve Transplants

• Pre-Existing Conditions

  • Includes conditions that occur during a waiting period**

• Prescription Pet Food

  • Pet food that is used beyond the resolution of symptoms for prevention or general health maintenance (including weight loss) even if prescribed, dispensed, or recommended by a veterinarian

• Preventative Care

  • Including but not limited to general health maintenance diagnostics, laboratory procedures, medications, physical examinations, and surgery) unless covered by an applicable endorsement

• Supplements and Vitamins

  • When used for prevention or general health maintenance (including weight loss) even if prescribed or dispensed by a veterinarian

• Training or Training Devices

• Other Treatment Exclusions

  • Illness or injury that results from intentional, malicious, or grossly negligent activities or from failure to perform actions commonly accepted as responsible pet care

  • Avian influenza, epidemics, or pandemics

  • Intentional slaughter by, or under, the order of any government or public or local authority

  • Nuclear reaction, radiation, radioactive contamination, or the discharge of a nuclear device

  • War, invasion, acts of foreign enemies, hostilities, civil war, rebellion, revolution, insurrection, military or usurped, strikes, riots, or civil commotion and terrorism

  • Expenses related to coursing, organized fighting, law enforcement or guarding, personal protection, or racing

  • Experimental or investigative treatment

**If a condition is curable, cured, and goes free of symptoms and treatment for 180 days, it may be eligible for coverage if it happens again in the future, with the exception of knee and ligament conditions. If a knee or ligament condition occurs before the coverage effective date or during a waiting period, any future ones won’t be covered.