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
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
and much more
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
and much more
Wellness
Optional add-on
Cash back for wellness exams, vaccines, and routine care.
Swipe to see more
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.
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
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 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.
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.
Compare insurance providers
How do we compare?4
Most providers
30-day money back guarantee5
No network restrictions
No upper age limit
No lifetime caps
No vet exam needed for enrollment
For a list of exclusions, please refer to a sample policy
Covered
Not Covered / Some Inclusions
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.
Get Your Discounts
Frequently Asked Questions
Have questions about pet insurance and how it works? Don't worry, we've got you covered.
Follow us on Instagram
+
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 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.
2
Only covered with an accident and illness plan.
3
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.
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
10% group discount available on every pet. Not available in HI or TN. 10% multi-pet discount available on all pets after the first.
7
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.
8
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.
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
and much more
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.
Swipe to see more
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.
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
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.
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.
Get Your Discounts
Frequently Asked Questions
Have questions about pet insurance and how it works? Don't worry, we've got you covered.
Follow us on Instagram
+
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.