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.
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How does pet insurance work?
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.
Get your pet the care they need
Visit the licensed vet of your choice in the U.S or Canada. No network restrictions.
Send us your bill
Submit your claim in minutes through our website, mobile app or via fax.
Get reimbursed fast
Most claims are reimbursed in less than 2 days. Get cash back through direct deposit or check – you choose.
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 illnesses2
Extractions, gingivitis, periodontal diseases, gum disease, and broken, chipped and fractured teeth.
Chronic & hereditary conditions2
Allergies, hip dysplasia, arthritis, cataracts, diabetes, seizures, 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.
30-day money back guarantee5
No network restrictions
No upper age limit
No lifetime caps
No vet exam needed for enrollment
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.
Swipe to see more
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.
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
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
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
Wellness
Optional add-on
Spot preventive care plans offer cash back for wellness exams, vaccines, and routine care.
Swipe to see more
How does pet insurance work?
Protection for your pet. Peace of mind for you.
Get your pet the care they need
Visit the licensed vet of your choice in the U.S or Canada. No network restrictions.
Send us your bill
Submit your claim in minutes through our website, mobile app or via fax.
Get reimbursed fast
Most claims are reimbursed in less than 2 days. Get cash back through direct deposit or check – you choose.
Why choose Spot?
Enjoy more perks & better coverage with fewer restrictions.
What plans do you offer?
Affordable Pet Insurance for Dogs & Cats
Dog insurance
Starting from $15/mo2
Cat insurance
Starting from $9/mo1
Explore cat insurance
Swipe to see more
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.