SPOT Plans
SPOT Pet Health Insurance offers two main plans, the Accident-only plan, and the Accident and illness plan. There are two other plans, the Gold preventative plan and the Platinum preventative plan which are mainly for routine and preventive care.
The accident-only plan covers things like injuries, swallowed objects, toxic ingestions, and anything that arises from an accident. If you are on a tight budget and just looking for coverage for your pet in emergency situations, the accident-only plan will be best for you.
The Accident and illness plan on the other hand covers everything that the Accident-only plan covers, including things like general illnesses, behavioral issues, dental disease, hip dysplasia, heart disease, cancer, diabetes, and more. The Accident and illness plan is a more comprehensive plan and is usually the best plan to go for if you want more complete coverage for your pet.
The Gold Preventive plan works best as an add-on to the Accident and illness plan. This is because it covers mainly routine and preventive procedures and in itself might not have much value purchasing the plan alone.
The Platinum preventative plan does the same thing as the but is a more expensive option.