Does anyone know if Spot pet insurance covers past wellness exams or vaccines? I understand they don’t cover pre-existing conditions, but I’m considering getting insurance for my dog. I got a puppy about two months ago and had all her vaccines and exams done. I want to know if they cover those past wellness visits or if getting vaccines before signing up counts as a pre-existing condition 
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Yes, they do cover that. They have a gold package and a platinum add-on that includes wellness visits. The gold package probably makes the most sense. My sister has it, and she’s really happy with their service 
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With Spot Pet Insurance, once you enroll, there’s a waiting period, so anything done before that waiting period can’t be submitted for reimbursement.
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Most pet insurance companies have a waiting period of about three weeks. Spot’s coverage for pre-existing conditions starts a few days after you enroll, while other coverage aspects kick in after a few weeks. A friend of mine who’s a vet tech mentioned that this is pretty standard for pet insurance.
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Anything you pay for before getting pet insurance won’t be reimbursed. Just something to keep in mind