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
Made a really difficult time easier.
Claim was processed quickly and easily. I simply provided receipts and vet info and the next email I got was that the claim had been processed in addition to a sympathy email on the loss of our dog. Made the book keeping part of a heartbreaking week much easier.
Quick and Easy
It was easy and quick to enter a claim. My pets claim got approved in a few days and the money was deposited quickly after approval.
The reimbursement process is easy
The reimbursement process is easy, straightforward, and expedient.
Good Service
Prompt claims service plus good on line support and claim filing ability.
Very fast service and I'm happy with…
Very fast service and I'm happy with reimbursement
Spot is so easy to deal with
Spot is so easy to deal with, has the easiest submission forms for claims. They are fast adjudicating claims and have paid out better than any other pet insurance I have been with in the past 20 years. We’ll see if prices go up at renewal, but so far they have really been reasonable. For reference I have a 7 year old small dog, who needs things here and there, but isn’t chronically ill and hasn’t had major things. Praying it stays that way. But where other insurances wanted thousands a year just because of age, Spot gave us a reasonable rate and is super easy to deal with.
Rusty, our diabetic dog "child"!
When our Rusty was diagnosed with diabetes, we were crushed. However, we knew we had SPOT on our side, and now we can afford to give Rusty the care that he deserves. Rusty was a stray, and honestly, I never want to know his story. He is loved and cared for now, and that's all that matters. Enrollment was easy and service has been top notch!!
This was the first claim that I've…
This was the first claim that I've submitted. I was very satisfied how quickly I received emails and the reimbursement. I wish medical claims were processed as quickly as this.
This pet insurance is amazing
This pet insurance is amazing, great monthly fees, you pick your needs, and customize your plan. When my dog needed surgery, it was no problem, I was reimbursed in 3-5 days. I highly recommend this pet insurance!
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.