Best Pet Insurance of 2023

Q: 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. Learn more about what pet insurance covers .

Q: 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 .

Q: 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.

Q: 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.

Up to 90% Cash Back on Eligible Vet Bills
Visit Any Licensed Vet in the U.S.

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Spot Leads The Pack

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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.

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Happy Pet Parents Trust Spot

Rated 4.6 / 5 based on 12,204 reviews

Very fast reimbursement payment!

Very fast reimbursement payment! Thank You!

Linda Oliva

Spot was quick to review and pay my…

Spot was quick to review and pay my claim.

Sharon Liveten

It was really easy to file a claim and…

It was really easy to file a claim and have it accepted. Also appreciate that if you have a pet pass away they send you an email with their condolences and automatically cancel your account for that pet - very thoughtful.

Jill Brown

Have had SPOT for several years

Have had SPOT for several years. Great coverage.

Quick & Efficient

The turn around time from filing a claim to getting the reimbursement was extremely easy to do and amazingly quick!

Anne

Very happy with this company so far

They’re very easy to work with and everything is explained out very well

Jenny

The quickness of the claim payment was…

The quickness of the claim payment was astonishing!

Francine Arnone - Davis

I wanted to add the extra insurance on…

I wanted to add the extra insurance on Lila, but the lady said that I could not do that until it’s ready to renew. That seems like a very poor policy. because it’s money the corporation is missing out on

Timothy Emerick