Spot Leads The Pack
How Pet Insurance Works
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.
Happy Pet Parents Trust Spot
User friendly
I love how easy it is to use the app. They communicate effectively and I have had no issues in regards to filing a claim.
I didn't need SPOT until my dog's leg…
I didn't need SPOT until my dog's leg was injured. And then it was a flurry of visits, X-rays, and medications. SPOT processed my claims and paid quickly. In addition, I received an EOB for each claim explaining how they arrived at the payment.
Great response!
I have never use my insurance but for the first time I did, and they were very helpful and responded quickly no questions asked, I’m so happy to have this insurance for my Toby baby❤️
Super simple
Very easy way to submit for reimbursement. We only had a check up and I received the funds within a week!
The company did exactly what was advertised.
The company did exactly what was advertised! I received 80% back after paying over 8 thousand in vet bills for an emergency surgery. The process was quick and easy, and I received the money within a few days of filing my claim.
My Pups really enjoyed having treats to…
My Pups really enjoyed having treats to distracted them While getting a wellness check up and their shots.The nurse and doctors are really kind and gentle with my 2 Pups. Thank You for the food from the pantry for my Pups.Mary E Costilla and Baby & Scooby
Submitting claims has been very simple…
Submitting claims has been very simple and straightforward and the Spot Pet Insurance has promptly and professionally processed all of my claims to date.
Very pleased!
You responded very quickly and communicated with me through out the process. Then processed my claim very quickly as well.
Spot saves the day!
Great communication with both myself and the vet. Very timely approval and payment. Thank you.
Best insurance
Best insurance. Hassle free. Reasonably priced.
What is covered in Spot plans?
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)
Spot Preventive Care Coverage Perks
Spaying or Neutering
Spaying or Neutering is covered for an extra cost as part of Spot's Platinum Preventative Add-on
Dental Teeth Cleaning
Cleaning coverage included in Spot's preventative care coverage options for an extra cost
Wellness Exams
Routine exams and screenings give your vet the opportunity to detect health issues in the early stages
24/7 Pet Health Helpline
Policyholders of insurance plans from Spot are provided immediate access to a 24/7 helpline for pet health, behavior, and wellness questions powered by VetAccess™.
Your questions will be answered by veterinary experts 24/7 at no additional cost!
Frequently Asked Questions
Have questions about pet insurance and how it works? Don’t worry, we’ve got you covered.
What is Pet Insurance?
Pet insurance is a type of coverage that helps offset the cost of veterinary care for your pet. It can help in covering vet expenses related to accidents, illnesses, and preventive care. By having pet insurance, you can protect your pet's health and potentially avoid significant financial burdens in case of unexpected medical needs.
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.
For a full list of terms and conditions, click here to view a sample policy.
How Do I File a Claim?
Click the Claims icon and follow the simple instructions. Don’t forget to take a picture of your invoice and upload it to complete the claim submission.
What is a Pre-Existing Condition?
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.
Plans provided by Spot do not cover pre-existing conditions. However, with pet insurance plans provided by Spot, this doesn’t mean the condition can’t be covered in the future if the condition is curable. An injury or illness that is curable, cured, and free of treatment and symptoms for 180 days will no longer be regarded as pre-existing, with the exception of knee and ligament conditions. If a knee or ligament condition occurs before the coverage effective date or during a waiting period, any future ones won’t be covered.