Click For Price
10% multi-pet discount on additional pets

Best Pet Insurance for Dogs & Cats

America's Most Loved Pet Insurance

Get up to 90% cash back on covered vet bills

Visit any licensed vet in the U.S. or Canada

24/7 pet telehealth helpline

Click For Price
Photo of a golden retriever and gray cat over a blue background

Recognized by Pet Experts.  Trusted by Pet Parents.

Spot plans help cover your pet from head-to-tail.

Illness

Best coverage

Diagnostics, treatments, and medications for illnesses. 

Skin, eye, & ear infections

Cancer & growths

Behavioral issues

Hereditary conditions

Dental illnesses

and much more
Explore our illness coverage

Accident

Most affordable

Emergency care, surgery, and rehab for unexpected accidents.

Vet exam fees & lab tests

MRIs, CT Scans & X-rays

Surgery & hospitalization

IV fluids & medications

Medical supplies

and much more

Wellness

Optional add-on

Cash back for wellness exams, vaccines, and routine care.

Wellness exams

Spay & neuter

Dental cleaning

Flea & heartworm prevention

Vaccinations

and much more

Swipe to see more

Click For Price

How does pet insurance work?

Sample Vet Bill(1)

Cancer (Osteosarcoma)

Pet Name:

Neapolitan

Breed:

Giant Mix Dog

Radiation Treatment

$11,250

Zolendronic Acid Injection

$475

Chemotherapy Session

$440

Catheter

$75

Professional Services

$75

Chemotherapy Supplies

$30

Total vet bill

$12,345

Spot plan reimbursed

$11,110

1

No network restrictions

Visit any licensed vet

You choose your own vet in US or CAN.
2

Easy claim process

Send us your bill

Submit your claim online in 30 sec.
3

Fast & convenient payout

Get up to 90% reimbursed

Claims reimbursed in 48 hrs or less.

Find the perfect plan for your pet

Dog insurance

Starting from $15/mo^

Explore dog plans

Cat insurance

Starting from $9/mo^^

Explore cat plans
I want to bring pet insurance as a benefit to my workplace
Get my price

What plans do you offer?

Spot’s plans can help cover what other providers don’t.

Don't settle for anything less than the best.

Spot’s plans can help cover what other providers don’t.

What does pet insurance cover?

Dental illnesses(2)

Extractions, gingivitis, periodontal diseases, gum disease, and broken, chipped and fractured teeth.

Breed-specific, chronic & hereditary conditions(2)

Allergies, arthritis, cataracts, diabetes, seizures, hip dysplasia, hyperthyroidism and more.

Prescription foods(3)

Special diets, supplements, and medications.

24/7 pet health helpline

Access to a helpline for pet health, behavior, and wellness questions.

Behavioral modification

Treatment of anxiety, aggression, and other behavioral conditions.

Microchip implantation

Coverage for microchipping to help reunite lost pets with their parents.

What does pet insurance cover?

Enjoy more perks with fewer restrictions.

Compare insurance providers

How do we compare?(4)

Most providers

30-day money back guarantee(5)

No network restrictions

No upper age limit

No lifetime caps

No vet exam needed for enrollment

Compare insurance providers

For a list of exclusions, please refer to a sample policy

Covered

Not Covered

/

Some Inclusions

Get access to $2,500+ in discounts on your favorite pet brands(6)

Basepaws

CAT DNA TEST

$20 off cat DNA test kit

The Farmer's Dog

DOG FOOD

60% off first box of food

Rover

PET SITTING

$20 off first-time pet sitting

DogTV

ENTERTAINMENT

35% off annual subscription

Smalls

CAT FOOD

20% off your first three orders

Furbo

PET CAMERA

$55 off Furbo pet cam

Koala

PET PHARMACY

45% off pet meds

Maven

SMART COLLAR

20% off membership

Happy Pet Parents Trust Spot

Rated 4.7 / 5 based on 8,300+ reviews
Trustpilot logo

Swipe

Frequently Asked Questions

Have questions about pet insurance and how it works? Don't worry, we've got you covered.

More questions
Follow us on Instagram
@getspotcovered

Follow us everywhere else:

+
Based on admin data from 2019 to 2024. Actual reimbursement amounts may vary depending on plan type and options, including annual limit, co-insurance, and annual deductible, as well as the specifics of the claim and your policy terms.
1
Claim reimbursement is based on actual policyholder claims from 2023. Claim example illustrates reimbursement based on an accident and illness policy at $75.01/month with a $500 deductible, 90% reimbursement, and unlimited annual benefit for a 1-year-old giant mix dog. Individual reimbursement amounts may vary depending on the specific terms of the policy, including coverage selected, annual deductible, reimbursement rate, and annual limit. Individual experiences and outcomes may vary.
2
Only covered with an accident and illness plan. Pre-existing conditions are not covered.
3
Prescription food & supplements are covered if they are prescribed to treat an eligible accident or illness. Prescription food & supplements are not covered if they are used for weight management or general health maintenance.
4
Comparison information is provided using publicly available information as of 3/2/2024 and is only meant to summarize program features, not a specific plan. Review the provider’s plan terms for more details. The description of the providers’ plans is not provided by that company. If you have questions about other plans, please contact an agent of that company. It is our intention to provide fair and accurate comparison information. We attempt to keep the information up to date but it may change from time to time. If you are aware of any inaccuracies or changes in the information provided, let us know by emailing marketing@spotpet.com.
5
Available if no claims have been filed. There is a 15-day money back guarantee in ME, LA and WA. Not available in NY.
6
No purchase necessary. Based on total combined Spot Perks discounts applied to avg. vendor cart value. spotpet.com/perks-terms‍