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 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.
Happy Pet Parents Trust Spot
Rated 4.7 / 5 based on 4,748 reviews
Absolutely love this company
Absolutely love this company. Very fast at processing and very friendly staff. 5 stars for sure. I will be adding my moms and daughters dog to our plan. ❤️
Great service, friendly staff, and fair price
Friendly, staff, fast easy claim service application at affordable rates
I was so surprised when I turned in the…
I was so surprised when I turned in the documents for my pets vet bill and they just took care of everything without sending me emails asking for more information, etc. etc. like the other three pet insurance companies I’ve had in the past. They just deposited the money into my account with no hassle. Trust me, if you’re looking for pet insurance Spot is the best I’ve ever had, and like I said this is my fourth pet insurance company. Thank you so much Spot👍👍👍
Best Pet Insurance
Just recently started Spot Insurance Accident, Illness and Wellness plans for my puppy. The plans are very reasonably priced and the coverage is top notch. The claim process was simple and easy to submit claims via online and I was shocked at how quickly I received a reimbursement - only a few days! I may be adding coverage for my 2 cats just solely based on my experience, I would highly recommend Spot Pet Insurance to anyone with a beloved pet(s).
Love it!
Easy to use and gives us peace of mind!
Spot paid our claims quickly
Spot paid our claims quickly, and they provided coverage just as promised. I was really pleased with how quick and easy the process was.
Really easy going fast and great…
Really easy going fast and great customer service
Trustworthy Company!
No one buys pet insurance wanting to use it. However when my Chesapeake Bay Retriever developed a terrible respiratory infection, I was so relieved I had purchased Spot Pet Insurance. Once she recovered, I submitted her bills and in 2 days they were approved. The following day I received a direct deposit of the funds. The submission policy was simple, the review of my request was prompt and the funds were received immediately. Terrific company - highly recommend!!!
Very easy to file a claim and quick…
Very easy to file a claim and quick response.
Awesome Pet Insurance
Quick and easy process for submitting claims; fast claims processing and cash back; excellent communication as my claims are being processed! Thank you!
What is covered in Spot plans?
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 for paw-rents seeking a financial safety net for accidents or illnesses that their pets might experience in the future.
Pet insurance plans provided from Spot have deductibles, reimbursement percentages, annual limits, and premiums.
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.