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
Simple to navigate website
Simple to navigate website, and easy to upload documentation, submit claims and fast response time.
Easy to use and interact with
Easy to use and interact with
Easy to use and overall great experience!
Easy to submit claims, very fast response! Super pleased!
Amazing insurance company for your pet
Amazing insurance company for your pet! Depending on your plan you can get reimbursed over %80 back and covers almost everything. So glad I have this for my fur baby ❤️
I had a fantastic experience with Spot…
I had a fantastic experience with Spot Pet Insurance when it came to getting my claims paid. The process was smooth and hassle-free, and the quick reimbursement ensured my pet received the best care without any financial stress. Spot Pet Insurance truly delivers on its promise of exceptional service and reliable coverage.
If you have pets, you should have Spot Pet Insurance!
I didn't realize how important pet insurance was until two of my cats passed away from kidney issues and cancer. The money I spent out-of-pocket was shocking! When I adopted two new kittens, I decided I needed insurance for them and my healthy remaining older cat. Spot Insurance was the company I went with after comparing it to other ones. I am so glad with my choice! After signing up my three pets for Spot, I feel like a better pet parent! With Spot, the monthly payments are affordable, the mobile app has a simple interface making submitting claims easier, and my claims are paid quickly! My kittens' first checkup was on a Thursday, I paid for it that day, submitted the claim on Friday, and was reimbursed by Tuesday! If you have pets, you should get Spot Pet Insurance!
Great Coverage
Fast response time of reimbursement and ease of submitting claims.
Simply the best
The process is so easily and I appreciate my claims being approved in a timely manner.
You have made having a pet so easy
You have made having a pet so easy! I am so happy I joined spot.
Best company I have used
They reimbursed me faster than I expected and they are very friendly and courteous.
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!
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.