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 11,769 reviews

Seamless app

Seamless app, easy to work with, they actually pay claims.

Corbin

submitting my clasim and getting…

submitting my clasim and getting reimbursed was easy peasy.

Veronique Colas

Easy to use!

Easy to use! Instructions are easy, people always available to help

Andi and Rosie Rizzo

Fast and easy to navigate app with…

Fast and easy to navigate app with good communication when needed

Michele Mason

So helpful and kind in a moment when I…

So helpful and kind in a moment when I really needed that. Thank you ❤️

Emma Tasker

First time with a claim

First time with a claim, had a check in the mail in 3 days, how it’s supposed to work, thank you!

Keith Booker

Spot did an amazing job quickly…

Spot did an amazing job quickly refunding a large vet bill when my dog had to go to the ER. It is already a scary situation when you have a sick dog, but it was so nice how easily and quickly SPOT handled the whole process. Thank you SPOT Pet Insurance:)

Nickie Kennedy