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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

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Recognized by Pet Experts.  Trusted by Pet Parents.

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

Illness

Best coverage

Spot insurance plans help cover diagnostics, treatments, and medications for illnesses and accidents. 

Skin, eye, & ear infections
Cancer & growths
Behavioral issues
Hereditary conditions
Dental illnesses
and much more
Explore our illness coverage

Accident

Most affordable

Spot insurance plans help cover 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

Spot preventive care plans offer cash back for wellness exams, vaccines, and routine care.

Wellness exams
Spay & neuter
Dental cleaning
Flea & heartworm prevention
Vaccinations
and much more

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$5K

luxury vacation

for you and your pet!

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How does pet insurance work?

Protection for your pet. Peace of mind for you.

Spot pet insurance plans help cover the cost of unexpected vet bills, so you never have to choose between your pet’s health and your finances.

Sample Vet Bill3

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

Get your pet the care they need

Visit the licensed vet of your choice in the U.S or Canada. No network restrictions.

2

Send us your bill

Submit your claim in minutes through our website, mobile app or via fax.

3

Get reimbursed fast

Most claims are reimbursed in less than 2 days. Get cash back through direct deposit or check – you choose.

What does pet insurance cover?

Why choose Spot?

Enjoy more perks & better coverage with fewer restrictions.

Don't settle for anything less than the best. Spot’s pet health plans cover what other providers don’t.

How do we compare?4

Most providers

Dental illnesses5

No network restrictions

Microchip implantation

No upper age limit

Hereditary & congenital conditions5

Prescriptions foods6

No lifetime caps

Behavioral issues

No vet exam needed for enrollment

Covered

Not Covered / Some Inclusions

Compare insurance providers

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

What plans do you offer?

Affordable Pet Insurance for Dogs & Cats

Unexpected vet bills can add up fast. Spot plans offer up to 90% cash back on covered vet bills, so you can get your pet the care they need when they need it.

Dog insurance

Starting from $15/mo2

Explore dog insurance

Comprehensive pet insurance to help keep your dog or puppy healthy and your wallet happy.

Cat insurance

Starting from $9/mo1

Explore cat insurance

Customizable pet insurance plans to help get your cat or kitten the medical care they deserve.

Cat insurance

Starting from $9/mo1

Affordable pet insurance plans to ensure your cat or kitten get the care they deserve.

Affordable pet insurance plans to ensure your cat or kitten get the care they deserve.

Explore cat insurance

Dog insurance

Starting from $15/mo2

Comprehensive pet insurance to keep your dog or puppy healthy.

Affordable pet insurance plans to ensure your cat or kitten get the care they deserve.

Explore dog insurance

Exployer benefits

Up to 20% off for employees3

Employee discounts on Spot pet insurance plans at no cost to the employer.

Affordable pet insurance plans to ensure your cat or kitten get the care they deserve.

Explore benefits

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Access Spot Perks Exclusive Promo Codes Today

As part of our mission to help pets lead happier and healthier lives, enjoy access to a curated list of discounts on pet essentials.

Get Your Discounts

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Rated 4.7 / 5 based on 7,150 reviews
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Frequently Asked Questions

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

More questions
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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
Advertised premium is based on an accident and illness plan with an 80% reimbursement rate, $750 annual deductible, and a $2,500 annual limit for a 2-year-old mixed cat in 33801. Plan costs vary.
2
Advertised premium is based on an accident and illness plan with an 80% reimbursement rate, $500 annual deductible, and a $2,500 annual limit for a 2-year-old small mixed dog (11-25lbs) in 32009. Plan costs vary.
3
Claim example illustrates reimbursement of an eligible vet bill for a plan with a 90% reimbursement rate, and a $100 deductible. The deductible hadn’t been met, and the annual limit was not yet satisfied. 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.
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
Only covered with an accident and illness plan.
6
Prescription foods and supplements are covered if prescribed to treat an eligible accident or illness. They are not covered if used for weight management or general health maintenance.