Your pet. Your plan. Your price.
Customize your plan for your pet and budget.
Up to 90% cash back on covered vet bills
30 sec to enroll — reimbursed in 48 hrs
Access $2,500+ in perks & discounts*
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
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
Wellness
Optional add-on
Cash back for wellness exams, vaccines, and routine care.
Swipe to see more
How does pet insurance work?
No network restrictions
Visit any licensed vet
You choose your own vet in US or CAN.
Easy claim process
Send us your bill
Submit your claim online in 30 sec.
Fast & convenient payout
Get up to 90% reimbursed
Claims reimbursed in 48 hrs or less.
What plans do you offer?
Spot’s plans can help cover what other providers don’t.
Spot’s plans can help cover what other providers don’t.
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.
Enjoy more perks with fewer restrictions.
30-day money back guarantee(5)
No network restrictions
No upper age limit
No lifetime caps
No vet exam needed for enrollment
Get access to $2,500+ in discounts on your favorite pet brands(6)
Frequently Asked Questions
Have questions about pet insurance and how it works? Don't worry, we've got you covered.
Affordable pet plans starting at $0.50/day*
Help protect your pet without breaking the bank.
Up to 90% cash back on covered vet bills
30 sec to enroll — reimbursed in 48 hrs
Access $2,500+ in perks & discounts**
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
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
Wellness
Optional add-on
Cash back for wellness exams, vaccines, and routine care.
Swipe to see more
How does pet insurance work?
No network restrictions
Visit any licensed vet
You choose your own vet in US or CAN.
Easy claim process
Send us your bill
Submit your claim online in 30 sec.
Fast & convenient payout
Get up to 90% reimbursed
Claims reimbursed in 48 hrs or less.
What plans do you offer?
Spot’s plans can help cover what other providers don’t.
Spot’s plans can help cover what other providers don’t.
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.
Enjoy more perks with fewer restrictions.
30-day money back guarantee(5)
No network restrictions
No upper age limit
No lifetime caps
No vet exam needed for enrollment
Get access to $2,500+ in discounts on your favorite pet brands(6)
Frequently Asked Questions
Have questions about pet insurance and how it works? Don't worry, we've got you covered.
Pet insurance plans with superior coverage
Spot’s plans can help cover what others won’t.
Up to 90% cash back on covered vet bills
30 sec to enroll — reimbursed in 48 hrs
Access $2,500+ in perks & discounts*
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
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
Wellness
Optional add-on
Cash back for wellness exams, vaccines, and routine care.
Swipe to see more
How does pet insurance work?
No network restrictions
Visit any licensed vet
You choose your own vet in US or CAN.
Easy claim process
Send us your bill
Submit your claim online in 30 sec.
Fast & convenient payout
Get up to 90% reimbursed
Claims reimbursed in 48 hrs or less.
What plans do you offer?
Spot’s plans can help cover what other providers don’t.
Spot’s plans can help cover what other providers don’t.
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.
Enjoy more perks with fewer restrictions.
30-day money back guarantee(5)
No network restrictions
No upper age limit
No lifetime caps
No vet exam needed for enrollment
Get access to $2,500+ in discounts on your favorite pet brands(6)
Frequently Asked Questions
Have questions about pet insurance and how it works? Don't worry, we've got you covered.
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
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
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
Wellness
Optional add-on
Cash back for wellness exams, vaccines, and routine care.
Swipe to see more