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 through our mobile 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
Fast And Easy.
It was easy to file a claim and the reimbursement came in 3 days.
Spot insurance handled my claim quickly…
Spot insurance handled my claim quickly & fairly! They were super easy to work with and processed my claim immediately. They are sending me a check much sooner than I would have ever imagined. Other companies should be so efficient! There were no attempts to deny the claim or ask a million questions. The company does what it says they will do!
Staff was friendly and professional
Staff was friendly and professional. She was knowledgeable and was able to help me quickly.
Spot Insurance has been amazing!
Spot Insurance has been amazing! I really enjoy this insurance company, the website is easy to follow and it is easy to submit claims and get organized with insurance paperwork.
Best Pet Insurance out there
Best Pet Insurance out there. Made my first two claims and they went without a hitch. Amazing prompt payments.
Customer service via phone call was…
Customer service via phone call was courteous and professional. Claims were efficiently handled, easy to submit, and promptly paid.
Like having Spot!
Spot has been very easy to work with. They did not hike my rates after the first year, even though my dog needed surgery.
The process online was easy to follow
The process online was easy to follow. The bills are in process quicker this time. Good communication about the process for updates on final status.
Filing claims
I filed several claims at once having 3 dogs. They were all handled quickly and the money was received in a timely manner. It was easy to follow the steps to file a claim and check on the progress. Knowing we have the insurance in case of an injury or accident provides a piece of mind.
The claim submission was easy
The claim submission was easy. I felt the response time back was very good.
Pet Insurance FAQs
Have questions about pet insurance and how it works? Don’t worry, we’ve got you covered.
When is the ideal time to get pet insurance for my pet?
Plans provided by Spot can insure puppies and kittens 8 weeks and older. We recommend that pets be insured while they are still young; before they develop any “pre-existing conditions”.
Can I get money back for my pet’s routine teeth cleanings?
Routine teeth cleanings are not covered under either of Spot’s base plans. To be reimbursed for the cost of a routine cleaning, you’ll need to have opted into a preventive care add-on. This can be purchased for little extra cost per month.
Do Spot plans cover exam fees?
Spot’s accident-only and accident & illness base plans will cover exam fees for covered conditions. This coverage does not include the cost of routine wellness exams. For cash back on these services, policyholders can purchase an optional preventive care add-on for a small fee.
What do Spot Pet Insurance plans cover?
Spot Pet Insurance offers both Accident-Only and Accident & Illness plans and pets can receive treatment from any licensed vet in the United States or Canada. Spot plans offer an unlimited annual limit option, no per incident caps, and no lifetime caps.
To see a full list of terms and conditions, click here to view a sample policy.
How do I determine if my pet has a pre-existing condition?
A condition is “pre-existing” if it occurs or becomes symptomatic before coverage begins or during the waiting period. The condition can be considered pre-existing regardless of if it has been diagnosed or treated by a vet; all that matters is when the condition occurred or first began to show symptoms. Pre-existing conditions are not covered under Spot pet insurance plans.