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.
What does pet insurance cover?
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 48 hours. Get cash back through direct deposit or check – you choose.
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
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Why choose Spot?
Enjoy more perks & better coverage with fewer restrictions.
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
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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
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.
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.
What does pet insurance cover?
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
See Why Spot is Leading the Pack
Thousands of pet parents are choosing Spot. See why Spot pet insurance plans are widely preferred over other pet insurance options.
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.
Affordable Pet Insurance Options for Cats & Dogs
Life is full of surprises. Spot can help pet parents plan for them through easy and simple pet health insurance options that can be used at any licensed vet in the U.S. or Canada.
Cat & Kitten Plans
as low as
$9/mo1
Dog & Puppy Plans
as low as
$15/mo2
Frequently Asked Questions
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