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
Best coverage
Diagnostics, treatments, and medications for illnesses.
Most affordable
Emergency care, surgery, and rehab for unexpected accidents.
Optional add-on
Cash back for wellness exams, vaccines, and routine care.
Swipe to see more
How does pet insurance work?
Enjoy more perks with fewer restrictions.
For a list of exclusions, please refer to a sample policy
Get access to $2,500+ in discounts on your favorite pet brands(6)
Fast response for claims. No hassles. You can call anytime for help if needed.
Tracey A Parker
staff was friendly, quick & made sure I knew and understood all my options
Renee BradleyLeaf
Process works well once you understand how to properly submit claims.
Brigitte Barrett Clarke
Easy to submit claims. Quick refunds
Greg
Easy to upload information and quick turnaround!
Rachel Johnson
Always feel confident submitting claims. Never experienced any issues and reimbursements are processed quickly. Thank you Spot!
Diego
10/10 fast af
Gianna Hernandez
Claims are easy to process and are paid in a timely manner.
Michael Risucci
I submitted a claim and by the time I checked on it, we were already reimbursed!
Melinda Lawford
Easy claim submission and fast reimbursement. They’ve been very easy to work with, especially with the unexpected illness expense we had with our pup.
Kerri Swecker
This is my first experience with pet insurance and submitting a claim. Very simple process!!
Alysicia Wells Permer
The coverage is very good and the claims process is easy and fast.
Jim Mercuri
The claim process was easy and quick. After focusing on caring for our cat after his tail surgery, we filed our claim. Received immediate confirmation the claim was being processed and in less than 2 weeks, received the funds deposited directly into our account. Many Thanks.
Matt Nicholas
I love how simple it is to submit claims and even receive direct deposit for reimbursement. The only con I can think of is whish they paid more or offered prescription coverage on maintenance medication. That being said, they have helped cover so many vaccinations and microchip. We had an emergency vet visit and they covered 70% and saved us from taking mounting debt to pay for it. I even received the reimbursement in less than a week.
Lauralea Pittman
My lil guy recently had to have emergency surgery to remove a foreign body, very expensive, over $6k in total. I called Spot to verify everything they would need to process the claim. They were very empathetic about my situation and provided clear instructions as to everything they would need. The process to submit the claim was very easy and straightforward- my claim was approved and processed with the money deposited in less than a week. I would give 6 stars if I could, highly, HIGHLY recommend!!
Morgan
I wholeheartedly recommend Spot Pet Insurance for each of your beloved pets! The claims process is done through their app and reviewed quickly as long as you submit the appropriate paperwork. Usually, you just submit an itemized receipt from the vet along with the veterinarian's notes. I hit my deductible this year and was reimbursed for subsequent visits/procedures according to the contract. 10/10!
Michelle Nguyen
Spot has been amazingly helpful, taking away the worry of am I going to be able to afford this visit, to being able to just focus on my cat's care. I've been recommending Spot to all my friends with pets, will never not have Spot Pet Insurance for my fur kids!
OCLime
Swipe
Frequently Asked Questions
Pet insurance reimburses pet parents for the cost of covered vet bills. To use your policy, take your pet to the vet for treatment, and pay your bill. Then submit your claim online or in the Spot app. You will receive your reimbursement after your claim is processed — most claims are processed in under 2 business days.
Pet insurance can help cover the cost of vet bills when your pet unexpectedly gets sick or injured. Spot Pet Insurance offers both accident-only and accident and illness plans, so pet parents can choose the coverage they want for their pet.
Accident-only plans can help cover the cost of eligible vet exams, lab tests, medications, and hospital stay, while illness coverage helps with the cost of treatment for infections, dental illnesses, behavioral issues and more.
Spot also offers an optional preventive care add-on that can help cover the cost of vaccines, wellness exams, and more.
Spot Pet Insurance offers two types of plans, accident-only and accident and illness. Accident-only plans help cover the cost of vet exams, medical tests and supplies, medications, and more, while illness coverage helps with the cost of treatment for skin, eye, and ear infections, dental illnesses, cancer, and more.
Spot also offers an optional preventive care add-on that can help cover the cost of vaccines, wellness exams, and other routine veterinary services.
Enrolling in pet insurance can provide additional peace of mind and financial support for pet parents, helping make sure pets can receive the care they need when they need it.
The cost of pet insurance depends on the coverage you choose and your pet’s age, breed, and location. To see your price, get a free quote.
A pre-existing condition is an injury, illness, or condition you or your vet notice your pet has or has symptoms of before you enroll in pet insurance or during your policy’s waiting period.
A pre-existing condition is an injury, illness, or condition you or your vet notice your pet has or has symptoms of before you enroll in pet insurance or during your policy’s waiting period.
Pet insurance does not cover pre-existing conditions, but a condition that is curable, cured, and has been symptom and treatment free for a period of 180 days will no longer be considered pre-existing, and can be eligible for coverage.
A waiting period is a set period between the day you enroll and the day your coverage begins. Conditions that occur during the waiting period will be considered pre-existing and will not be eligible for coverage under your plan. Conditions that occur after the waiting period can be eligible for coverage.
Spot plans typically have a 14 day waiting period for coverage. See our sample policy for more information on your states specific waiting periods.
Spot can cover puppies and kittens 8 weeks and older. We recommend enrolling your puppy or kitten while they are still young to minimize the chance that they develop any pre-existing conditions that will not be eligible for coverage under their Spot plan.
Yes! With Spot Pet Insurance you can visit any licensed vet in the United States or Canada.
Yes! Every Spot plan covers with a Money-Back Guarantee applies to cancellations made within 30 days of the policy’s start date. Refunds are available if no covered expenses were applied to the deductible or reimbursed.
Claims submissions may impact refunds. Cancellations must be requested via email, phone, or written notice. Not available in NY, and may vary in LA, MD, ME, and WA. See sample policy for details.
Best coverage
Diagnostics, treatments, and medications for illnesses.
Most affordable
Emergency care, surgery, and rehab for unexpected accidents.
Optional add-on
Cash back for wellness exams, vaccines, and routine care.
Swipe to see more
How does pet insurance work?
Enjoy more perks with fewer restrictions.
For a list of exclusions, please refer to a sample policy
Get access to $2,500+ in discounts on your favorite pet brands(6)
Fast response for claims. No hassles. You can call anytime for help if needed.
Tracey A Parker
staff was friendly, quick & made sure I knew and understood all my options
Renee BradleyLeaf
Process works well once you understand how to properly submit claims.
Brigitte Barrett Clarke
Easy to submit claims. Quick refunds
Greg
Easy to upload information and quick turnaround!
Rachel Johnson
Always feel confident submitting claims. Never experienced any issues and reimbursements are processed quickly. Thank you Spot!
Diego
10/10 fast af
Gianna Hernandez
Claims are easy to process and are paid in a timely manner.
Michael Risucci
I submitted a claim and by the time I checked on it, we were already reimbursed!
Melinda Lawford
Easy claim submission and fast reimbursement. They’ve been very easy to work with, especially with the unexpected illness expense we had with our pup.
Kerri Swecker
This is my first experience with pet insurance and submitting a claim. Very simple process!!
Alysicia Wells Permer
The coverage is very good and the claims process is easy and fast.
Jim Mercuri
The claim process was easy and quick. After focusing on caring for our cat after his tail surgery, we filed our claim. Received immediate confirmation the claim was being processed and in less than 2 weeks, received the funds deposited directly into our account. Many Thanks.
Matt Nicholas
I love how simple it is to submit claims and even receive direct deposit for reimbursement. The only con I can think of is whish they paid more or offered prescription coverage on maintenance medication. That being said, they have helped cover so many vaccinations and microchip. We had an emergency vet visit and they covered 70% and saved us from taking mounting debt to pay for it. I even received the reimbursement in less than a week.
Lauralea Pittman
My lil guy recently had to have emergency surgery to remove a foreign body, very expensive, over $6k in total. I called Spot to verify everything they would need to process the claim. They were very empathetic about my situation and provided clear instructions as to everything they would need. The process to submit the claim was very easy and straightforward- my claim was approved and processed with the money deposited in less than a week. I would give 6 stars if I could, highly, HIGHLY recommend!!
Morgan
I wholeheartedly recommend Spot Pet Insurance for each of your beloved pets! The claims process is done through their app and reviewed quickly as long as you submit the appropriate paperwork. Usually, you just submit an itemized receipt from the vet along with the veterinarian's notes. I hit my deductible this year and was reimbursed for subsequent visits/procedures according to the contract. 10/10!
Michelle Nguyen
Spot has been amazingly helpful, taking away the worry of am I going to be able to afford this visit, to being able to just focus on my cat's care. I've been recommending Spot to all my friends with pets, will never not have Spot Pet Insurance for my fur kids!
OCLime
Swipe
Frequently Asked Questions
Pet insurance reimburses pet parents for the cost of covered vet bills. To use your policy, take your pet to the vet for treatment, and pay your bill. Then submit your claim online or in the Spot app. You will receive your reimbursement after your claim is processed — most claims are processed in under 2 business days.
Pet insurance can help cover the cost of vet bills when your pet unexpectedly gets sick or injured. Spot Pet Insurance offers both accident-only and accident and illness plans, so pet parents can choose the coverage they want for their pet.
Accident-only plans can help cover the cost of eligible vet exams, lab tests, medications, and hospital stay, while illness coverage helps with the cost of treatment for infections, dental illnesses, behavioral issues and more.
Spot also offers an optional preventive care add-on that can help cover the cost of vaccines, wellness exams, and more.
Spot Pet Insurance offers two types of plans, accident-only and accident and illness. Accident-only plans help cover the cost of vet exams, medical tests and supplies, medications, and more, while illness coverage helps with the cost of treatment for skin, eye, and ear infections, dental illnesses, cancer, and more.
Spot also offers an optional preventive care add-on that can help cover the cost of vaccines, wellness exams, and other routine veterinary services.
Enrolling in pet insurance can provide additional peace of mind and financial support for pet parents, helping make sure pets can receive the care they need when they need it.
The cost of pet insurance depends on the coverage you choose and your pet’s age, breed, and location. To see your price, get a free quote.
A pre-existing condition is an injury, illness, or condition you or your vet notice your pet has or has symptoms of before you enroll in pet insurance or during your policy’s waiting period.
A pre-existing condition is an injury, illness, or condition you or your vet notice your pet has or has symptoms of before you enroll in pet insurance or during your policy’s waiting period.
Pet insurance does not cover pre-existing conditions, but a condition that is curable, cured, and has been symptom and treatment free for a period of 180 days will no longer be considered pre-existing, and can be eligible for coverage.
A waiting period is a set period between the day you enroll and the day your coverage begins. Conditions that occur during the waiting period will be considered pre-existing and will not be eligible for coverage under your plan. Conditions that occur after the waiting period can be eligible for coverage.
Spot plans typically have a 14 day waiting period for coverage. See our sample policy for more information on your states specific waiting periods.
Spot can cover puppies and kittens 8 weeks and older. We recommend enrolling your puppy or kitten while they are still young to minimize the chance that they develop any pre-existing conditions that will not be eligible for coverage under their Spot plan.
Yes! With Spot Pet Insurance you can visit any licensed vet in the United States or Canada.
Yes! Every Spot plan covers with a Money-Back Guarantee applies to cancellations made within 30 days of the policy’s start date. Refunds are available if no covered expenses were applied to the deductible or reimbursed.
Claims submissions may impact refunds. Cancellations must be requested via email, phone, or written notice. Not available in NY, and may vary in LA, MD, ME, and WA. See sample policy for details.
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
Best coverage
Diagnostics, treatments, and medications for illnesses.
Most affordable
Emergency care, surgery, and rehab for unexpected accidents.
Optional add-on
Cash back for wellness exams, vaccines, and routine care.
Swipe to see more
How does pet insurance work?
Enjoy more perks with fewer restrictions.
For a list of exclusions, please refer to a sample policy
Get access to $2,500+ in discounts on your favorite pet brands(6)
Frequently Asked Questions
Best coverage
Diagnostics, treatments, and medications for illnesses.
Most affordable
Emergency care, surgery, and rehab for unexpected accidents.
Optional add-on
Cash back for wellness exams, vaccines, and routine care.
Swipe to see more
How does pet insurance work?
Enjoy more perks with fewer restrictions.
For a list of exclusions, please refer to a sample policy
Get access to $2,500+ in discounts on your favorite pet brands(6)
Frequently Asked Questions
