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

A blue ribbon award with a paw print symbolizes achievement in a pet competition.

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 11,650 reviews

Professional team !

jan holden

easy to get claims paid and so quickly…

easy to get claims paid and so quickly it surprised me! have used for four animals now.

John Katzaroff

Good value, competitive, and user friendly

We found Spot through Sam’s Club so we knew it was a good value as far as price, and when we researched further on customer service and items covered we were very pleased to see that it is one of the most competitive and well reviewed pet insurances available. We have always had a dog or two in our family for 37+ years and this is the first time we have had pet insurance for our English Bulldog. Spot has been user friendly for us both online and via telephone. Though it takes some time to submit claims the process is clear and straightforward.

Julie Marshall

It's been great so far.

Eduardo Rodrigues

Spot insurance has been very easy to…

Spot insurance has been very easy to work with. The claims are paid quickly. Thank you.

M Coleman

Overall Spot was great

Overall Spot was great, I did have some technical problems with the app but every time I called I got someone live to talk to. Refund process was quicker than I thought.

Jackie Hasson

They settled my claim super fast again

They settled my claim super fast again! I called with a question before submitting and the lady on the phone was very nice!

Vicki

This is my first time getting pet…

This is my first time getting pet insurance with you all.So far since like it good.The monthly payment is cheat and I can afford it.Thank you for asking.

Ruth Johnson