Spoil your Pets with Spot
+ Get Up to 90% Cash Back on Eligible Vet Bills
+ 10% Multi-Pet Discount on all pets added after the first
+ Receive a $25 Amazon Gift Card*
+ Unlimited Access to 24/7 Pet Telehealth Line
*Amazon Gift Card Reward terms. Eligible for Spot Pet Insurance purchasers in AR, AZ, CA, FL, ID, IN, ME, MT, NJ, NM, NY, OK, OR and WA, or potential customers in GA, KY, MN, MS, NH, NV, OH, PA, and WY.
$25 Amazon Gift Card
We love pets! Receive a treat for your pet just by signing up for a Spot plan.*
Pet insurance that’s easy as 1-2-3.
Spot makes it simple for pet parents to submit a claim and receive reimbursement for eligible services in just a few days.
Visit Any Vet
No vet restrictions! Visit any vet in the U.S. or Canada.
Submit Your Claim
Submit your claim online or in our app – it’s quick and easy.
Get Paid!
Get cash back quickly for covered vet bills either direct deposit or check – you pick.
What do Spot Pet Plans Cover?
Vet Exam Fees
Microchip Implantation
Behavioral Issues
X-rays & Tests
Emergencies & Hospitalizations
Skin, Eye, and Ear Infections
Hereditary Conditions
Dental Illnesses
Vet Exam Fees
Microchip Implantation
Behavioral Issues
X-rays & Tests
Emergencies & Hospitalizations
Skin, Eye, and Ear Infections
Hereditary Conditions
Dental Illnesses
Digestive Illnesses
Hip Dysplasia
Cancer & Growths
Infectious diseases & diseases from parasites
Orthopedic
Swallowed Objects & Toxins
Diagnostics & Treatments
Prescription Medications
Surgery & Specialized Care
Advanced Care
Virtual Vet Visits
Alternative Therapies (e.g. Acupuncture)
Affordable Plans for Dogs & Cats
Life is full of surprises. Spot helps pet parents plan for them through easy and simple pet insurance options that can be used at your licensed vet in the US or Canada.
They've got your back. Why not cover theirs?
Life is full of surprises. Spot helps pet parents plan for the unexpected through easy and reliable pet insurance options that can be used at any licensed vet in the US or Canada. Enroll your Pet with Spot and get up to 90% cash back on eligible vet bills.
Why Choose Spot Pet Plans?
Trusted by
Pet Parents
Rated Excellent
4.6/5 Stars
Recognized
by Forbes
5-Star Rated
Committed to
Helping Pets
$5.7M
avg. claims
paid /month3
Happy Pet Parents Trust Spot
It’s really simple
It’s was simple to make a claim and it’s nice to know I can help keep him comfortable and healthy!
Very Happy with Spot!
Spot’s coverage is excellent. The claims process through their app is so easy & fast too.
Great communication
Great communication and very fast service in getting your check to him. So far i have no complaints.
Great insurance, cash back
Great insurance, cash back after first pet visit, well worth it
dilemma
Staff understood my dilemma but because of rules and regulations couldn’t help. They tried
I submitted a claim only a week ago…
I submitted a claim only a week ago from my fur baby's vet, and I received a direct deposit right away!! The service and claim process is so easy, and the communication is wonderful. I am so pleased that I chose Spot to be Bear's insurance company! Thank you so much.
I summited a invoice and what I liked…
I summited a invoice and what I liked was they didn't take long to get the money back and you all care about my puppy.
Having Spot Pet Insurance has taken the…
Having Spot Pet Insurance has taken the stress out of a stressful situation. I no longer worry about needing to make a vet visit for my cat. Claim processing is quick and easy!!
So thankful for how fast claims are…
So thankful for how fast claims are handled.
Great experience
Great experience! Very easy and reliable
Pet Insurance FAQs
Have questions about pet insurance and how it works? Don’t worry, we’ve got you covered.
What do Pet Insurance Plans provided by Spot cover?
Spot Pet Insurance offers options for Accident-Only and Accident & Illness pet insurance plans. Spot plans offer an unlimited annual limit option, no per incident caps, and no lifetime caps.
Plans provided by Spot cover the eligible expenses for medically necessary veterinary treatments that are prescribed to treat your pet’s covered conditions.
You may use any licensed veterinarian in the US and Canada.
For a full list of terms and conditions, click here to view a sample policy.
Can I Get Reimbursed for Routine Teeth Cleanings?
Base level plans provided by Spot do not cover routine teeth cleanings.
However, Spot accident & illness plans cover treatments for dental illnesses. The only treatment covered for dental accidents is tooth extractions.
To get reimbursed on routine cleanings for your dog or cat’s general wellbeing, you’ll need to add preventive coverage to your base plan for a little extra cost per month.
How do I Determine if My Pet Has a Pre-existing Condition?
Plans provided by Spot do not cover pre-existing conditions.
A pre-existing condition is any injury or illness which occurs or shows symptoms before coverage starts or during a waiting period. A condition is considered pre-existing whether or not it’s been officially diagnosed or treated; all that matters is when it occurred or symptoms first displayed.
What is the Best Age to Insure My Pet?
Plans provided by Spot don’t have an upper age limit for new enrollments or coverage. We advise all pet parents to insure their pets at a young age. You can enroll your pet in a plan from Spot as soon as they’re 8 weeks old. Don’t let your pet develop a “pre-existing condition” before they’re insured.
Does Pet Insurance Cover Exam Fees?
Not all pet insurances cover exam fees. Spot plans cover exams for covered conditions.
Routine wellness exams are not covered by base level plans provided by Spot, and they are only covered under Spot’s Preventive Care plans, which you can add on to your base level plans for a little extra cost.