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
Your phone associates do a great job…
Your phone associates do a great job answering questions and responding effectively. Claims are processed in a reasonable space of time.
Reimbursement was made within a couple…
Reimbursement was made within a couple of days. Great service!
Great customer Service
Great customer Service. Thank You.
Always professional and quick with…
Always professional and quick with payouts. Very important since owning a pet isn't cheap!!
Spot on!
Love having Spot pet insurance. So easy to submit claims and quick reply from the amazing customer service team!
Quick finalized claims and easy to…
Quick finalized claims and easy to place a claim on their website ☺️
No hassles
No hassles, claim went through with no issue, fast reimbursement
I highly recommend Spot!
I purchased accident and illness insurance for my dog in 2024. I didn't have any claims that year. However, this year I have already filed 2 substantial claims. The first was for a cardiologist evaluation and EKG, totally over $1,000. Spot allow all of that claim and reimbursed me about $360 ($500 satisfied my deductible and I received 80% of the remainder, as set forth in my insurance terms). The next claim was for a tooth extraction and dental cleaning for a total of over $1,600. Except for about $5 for "pet waste/taxes," Spot again allowed all the charges. I just got a check for about $1,330! (Numbers aren't precise but the refund is 80% of the allowable costs.) Filing claims is easy as is providing the additional information they may request. Both claims were paid within a couple of weeks. On 1 occasion, I had to reach out to their customer service and this too was a very favorable experience. While the premiums are high, the cost is offset if your pet has an accident or illness. I very much recommend Spot for your piece of mind!
my phone calls are answered quickly
my phone calls are answered quickly. good information you do what you say!
Complete information makes all the difference!
I've had great results obtaining reimbursement when I am sure to submit the past 6 months of vet records along with invoices and claim information. It didn't go as well with the approach of "Don't have it? No worries, we will reach out to your vet." Those claims got denied most of the time. So, when you submit everything up front, and each item as its own claim, they do deliver and I'm happy to say that I've renewed the annual plan for both of my dogs.
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!