Pet insurance plans for dogs and cats through Ark Insurance Solutions. Cover unexpected vet bills for accidents, illness, and preventive care.
Pet insurance plans for dogs and cats through Ark Insurance Solutions. Cover unexpected vet bills for accidents, illness, and preventive care.
Pet insurance helps take the sting out of unexpected vet bills. A good plan covers accidents and illnesses — and you can add routine wellness care so your pet stays healthy year-round.
Illness Coverage
From a skin infection that won’t quit to a cancer diagnosis nobody saw coming, illness coverage helps with the conditions that are hardest to plan for — and most expensive to treat.
Accident Coverage
Accidents don’t wait for a convenient time. When your pet needs emergency care, imaging, or surgery, your plan helps cover the bills so you can focus on getting them better.
Preventive Care (Add-On)
A little prevention goes a long way. Add this option to your plan and get help covering the routine visits and vaccines that keep your pet healthy before anything goes wrong.
Getting reimbursed shouldn’t feel like a second emergency. Here’s how the process works — and it’s simpler than you might think.
See any licensed vet in the U.S. or Canada. No network restrictions, no referrals required.
File your claim online or through the app in just a few minutes — right from your phone.
Reimbursement hits your account quickly, so you’re not left waiting when it matters most.
If you’ve ever hesitated at the vet’s front desk, wondering how you’re going to cover the bill, pet insurance is worth a serious look.
You pay the full vet bill out of pocket — and every unexpected visit comes with a side of financial stress. It’s hard to focus on your pet’s care when you’re doing mental math in the waiting room.
Get up to 90% back on covered vet bills and stop dreading the what-ifs. When the time comes, you can make decisions based on what’s best for your pet, not what’s left in your account.
The best time to get your pet covered is before something goes wrong. Explore your plan options today and get back to enjoying life with your pet.
Q: Are there any age limits?
A: Nope. There’s no upper age limit — you can enroll an older pet and still get coverage.
Q: What’s the best age to insure my pet?
A: As early as possible. Plans are available starting at 8 weeks old, and the longer you wait, the more likely your pet develops a condition that gets classified as pre-existing — which won’t be covered. Don’t let that window close.
Q: How does pet insurance work?
A: Once your plan is active, you just live your life. Take your pet to the vet when they need it, pay the bill, submit a claim, and get reimbursed for eligible expenses. A few terms worth knowing: your deductible is what you pay before reimbursements kick in, your reimbursement percentage is how much you get back after that, and your premium is your monthly cost to keep the plan active.
Q: Are there waiting periods?
A: Most states have a 14-day waiting period for accidents and illnesses. Anything that shows up during that window is considered pre-existing and won’t be eligible for coverage. Preventive care add-ons, though, kick in right away.
Q: What’s not covered?
A: Pre-existing conditions — meaning any illness, injury, or symptom that showed up before your coverage started or during the waiting period — aren’t eligible. That’s another reason to enroll early.
Q: How do I submit a claim?
A: Through the Spot app or Member Center. Upload your itemized vet bill and any required records, hit submit, and reimbursement comes via direct deposit or check.
Q: How do I file a claim?
A: Claims can be submitted online, by email, fax, or mail. Upload your itemized receipts and any required documentation, and reimbursement is issued by direct deposit or check. If you have questions during the process, call us — we can help.
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