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 4.7 / 5 based on 11,561 reviews

Pet insurance review

Allows me to conduct my biz faster& easier to get better results from my insurance company from my pets medical services.

Alicia Rose

Great process!

My dog had been very sick and was diagnosed with pancreatitis. I simply submitted photos of my Vet bills and they were processed with in a couple of days. They emailed me with updates throughout this process. I'm currently awaiting my reimbursement for my coverage. It was so simple and quick.

Ginny

Representatives were knowlegeable and…

Representatives were knowlegeable and communicated well how the process work. The reimbursement was quick meaning it was done in a reasonable time frame. Completing the claim is easy, meaning the app is user friendly. Very happy with whole process.

Tracey Evrard

Fast coverage faster refunds love it…

Fast coverage faster refunds love it good choice.

Glenna Thompson

I liked that the Wellness part active…

I liked that the Wellness part active the following day! Very easy to sign up & file & get your claim.

Renee

Very easy to file claims

Very easy to file claims. And they are complete completed and a reasonable amount of time.

sharon seifert

I submitted my first claim and it was…

I submitted my first claim and it was completed by the end of the following day.

Janet Fournier

Spot insurance is awesome I'm going on…

Spot insurance is awesome I'm going on 3 years with them and filing claims is very easy not to mention that once it's been verified the funds are issued right away into my account have had no problems with Spot and I recommend them to anyone who has pets and looking for an awesome Insurance Company for their furry ones.My claims took less than a week to receive funds that qualify for payment.

Cheryl Smith

Good company

This was my first time making a claim. putting in the all the information was easy, and hearing back from them took just a little time. I am expecting a check any day now! Very nice so far.

Cynthia Schiappa

I am so glad I decided to get Spot

I am so glad I decided to get Spot! My dog was attacked by another dog and without the insurance I don’t know what I would have done. The experience was one of the worst I’ve ever had to go through but Areo was able to pull through because we had the financial support of Spot. They processed my claim within just a day or two.

Sunny Hall