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
I'm beyond thrilled to have Spot
I'm beyond thrilled to have Spot. I have used them so many times in the 2 years and they are always empathetic, fast, and responsive. Great team, great company, great product. Thanks from me, Max, and Cheese :)
Spot is great super easy and quick
Spot is great super easy and quick
Fast
Fast , simple and pretty affordable
Great coverage
The claim process is quick I'm happy with the coverage
Expensive kitties....
My cat needed to go to the vet for Behavioral problems and it was pretty expensive for his exam. I have had Spot for a little over a year and I never took advantage of getting reimbursed for any vet bills. I actually did for this visit because it was quite expensive. I have the app and it was so easy to use. My veterinarian supplied the paperwork I needed and I downloaded everything. I received notifications from Spot right away saying they received all that was needed. I was reimbursed for the percentage that was stated for the visit I had. I am so happy with this insurance and have it because I have 2 cats and it totally pays off. It definitely is worth it.
Spot has been amazing
Spot has been amazing. I've never had pet insurance before and I'm sure glad I did because my puppies were a mess at the beginning and Spot took care of more than I expected. I was really surprised. I'd never go without again. Spot is easy to use and the reimbursement is fairly fast. The customer service is great too. I had a couple questions regarding what they covered and the representative was so helpful and pleasant to talk with. Thank you again.... and I always recommend spot to my friends with pups
very easy to submit and fast response
very easy to submit and fast response
Easy to submit claims
Easy to submit claims, quick processing, fair reimbursement. Love it!
Spot insurance is fantastic
Spot insurance is fantastic! The app is easy to navigate and provides quick response & reimbursement for even wellness check-ups! I’m very happy we chose to use Spot to insure our puppy as it gives us peace of mind to keep her healthy!
Quick refund
I'm very happy with Spot 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.