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
Recieved my claim in my bank account in…
Recieved my claim in my bank account in less then a waak
filing claims is easy on the website
filing claims is easy on the website, and payments are even faster to receive with the direct deposit option. i filed 3 different claims for 2024 and I received my payment within 7 days after I filied them.
Spot has been amazing!
Spot has been amazing. So responsive, and fast to complete and pay claims! I have recommended them over and over to family and friends!
Easy to file a claim with a quick…
Easy to file a claim with a quick response and quick payment.
Good insurance
Good insurance
Claim processing was quick and easy
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.
Highly recommend
I did not know what to expect when I signed up for spot health insurance for both of my golden doodles. Thank God I did because one of my goldendoodles is definitely a frequent flyer spot. Insurance has been a lifesaver for me truly, I don’t know what I would’ve done without spot insurance. They are quick responsive. I can’t say enough good things. They should be rated number one for sure. I’ve been with Spot Pet Insurance for probably about four years if not a little more highly recommend.
I LOVE Spot Pet Insurance
I LOVE Spot Pet Insurance! Great service and quick payments!
Great and compassionate insurance company
I've had Spot insurance for three years now, and had nothing but great experiences. They cover more than most insurances, have a variety of coverage options, and process claims and refunds very quickly. I recently lost one of my pets, and they took the time to reach out to express their condolences. I have used their vet hotline as well, when I needed advice in a pinch.
Easy to use
Easy to use, quick responses. Benefits are clearly outlined. Glad we have Spot coverage for our dog!
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.