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 coverageDiagnostics, treatments, and medications for illnesses.
- Skin, eye, & ear infections
- Cancer & growths
- Behavioral issues
- Hereditary conditions
- Dental illnesses
- and much more
Accident
Most affordableEmergency 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-onCash 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
How does pet insurance work?
Sample Vet Bill1
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
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.
Don't settle for anything less than the best.
Spot’s plans can help cover what other providers don’t.
Dental illnesses2
Extractions, gingivitis, periodontal diseases, gum disease, and broken, chipped and fractured teeth.
Breed-specific, chronic & hereditary conditions2
Allergies, arthritis, cataracts, diabetes, seizures, hip dysplasia, hyperthyroidism and more.
Prescription foods3
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.
Compare insurance providersHow do we compare?4
Most providers
For a list of exclusions, please refer to a sample policy
Get access to $2,500+ in discounts on your favorite pet brands(6)
DNA TEST
$20 off pet DNA test kit
MEMBERSHIP
$50 Off Litter-Robot 4
PET SITTING
$20 off first-time pet sitting
ENTERTAINMENT
35% off annual subscription
CAT FOOD
20% off your first three orders
PET CAMERA
$55 off Furbo pet cam
GPS COLLAR
$50 off 6 Month Membership
SMART COLLAR
20% off membership
No purchase necessary. See spotpet.com/perks-terms
Happy Pet Parents Trust Spot
Greatly appreciate that Spot reached…
Greatly appreciate that Spot reached out directly to vet instead of having to make multiple phone call to office and upload several documents. Quick reinbursement
First claim for well visit was super…
First claim for well visit was super simple and direct deposit arrived within 72 hours of initiating the claim.
Claim submission is easy and vet access…
Claim submission is easy and vet access 24/7 is very convenient.
Incredible service for my dog
I got spot after my dog tore us Crucial Ligament. They have been great supporting treatments and rehab, and allowed me to prolong my time with my best friend
The claim was processed immediately and…
The claim was processed immediately and updates let us know the progress. We were very pleased that there were no delays or hassles.
Spot has been a great pet insurance…
Spot has been a great pet insurance company to deal with. I recently had a very sick dog that needed emergency care twice in 2 days. The first claim was approved almost instantly and the second claim was approved a few days later. I’m so glad I chose them for Daisy’s insurance.
I just adopted a 6 yr old Female French…
I just adopted a 6 yr old Female French Bulldog, everyone was like vets make a lot off of this breed so was a bit nervous, decided to invest in insurance, took her in for checkup and shots and got clean bill of health, I figured as much as she is such a beautiful dog and looks so good and healthy, Sent in my claim of vet fees and was reimbursed within just a couple of days
This was my first claim and I was…
This was my first claim and I was worried, but they covered everything they said they would, so knock on wood I never have to use them again, but I won’t be stressed if I do. In this day and age, thank you for doing what you said you would. Also, my pup is back to 100%.
Very quick response to claim
Very quick response to claim and NO hassles Great Service Thank you Frederick M
Claims were easy to process.
Claims were easy to process.
Frequently Asked Questions
Have questions about pet insurance and how it works? Don't worry, we've got you covered.
How does pet insurance work?
What can pet insurance cover?
What are the different types of pet insurance?
Is pet insurance worth it?
How much is pet insurance?
What is a pre-existing condition?
Does pet insurance cover pre-existing conditions?
What is a waiting period for pet insurance?
At what age should I get insurance for my dog or cat?
Do all vets take pet insurance?
Do Spot's plans provide a money-back guarantee?
* Advertised premium is from Dec. 11 2024 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 mix (11-25lbs) dog in 32009. Premiums may vary due to plan options such as annual limit, co-insurance, and deductible, as well as your pet’s breed, age, and location. Quotes at purchase will reflect these factors and your specific selections. Premiums are based on and may increase or decrease due to the age of your pet, the species or breed of your pet, and your home address.
** No purchase necessary. Based on total combined Spot Perks discounts applied to avg. vendor cart value. spotpet.com/perks-terms
+ 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
7 Visa gift card terms and eligibility apply, not available in AK, GA, KY, MD, NE, NH, RI, SC, TX, VA. See spotpet.com/visa-terms
7 Sam’s gift card terms and eligibility apply, not available in AK, KY, RI, TX, VA. See spotpet.com/sams-gc-terms