When your pet needs care—whether it’s a routine check-up, a sudden illness, or an unexpected emergency—you shouldn’t have to worry about whether your vet is “in-network.” Pet care is personal, and the relationship you have with your veterinarian matters. That’s why Spot Pet Insurance allows pet parents to visit any licensed veterinarian in the U.S. or Canada with complete confidence.
No networks. No restrictions. No switching providers. With Spot, you can stick with the vet you trust, see specialists when needed, and feel at ease knowing your pet’s coverage travels with you wherever life takes you.
Visit Any Licensed Vet with Confidence—No Networks Needed
Freedom to Stay with Your Trusted Vet
The bond between your pet and their veterinarian isn’t something that can be easily replaced. Your vet knows your pet’s medical history, personality, and quirks—and that familiarity helps improve the quality of care.
With Spot Pet Insurance, you never have to switch vets just to match insurance requirements. You can continue visiting your preferred clinic, whether you’ve been going there for two months or ten years. Spot makes it easy to maintain consistent care from a team you trust.
All Licensed Vets Are Accepted
Some types of insurance limit you to a list of approved providers—but Spot doesn’t. You’re free to choose any licensed veterinarian, including those who:
Know your pet’s history
Fit your scheduling needs
Are located nearby
Provide the type of care your pet prefers
Good care starts with a veterinarian who understands your pet—and Spot helps make sure that relationship stays intact.
Access to Any Specialist or Emergency Vet Clinic
Specialists for Complex Care Needs
If your pet ever needs advanced care, Spot gives you the freedom to seek out the right specialist—no approvals or networks required. You can visit any licensed:
Dermatologist
Orthopedic surgeon
Cardiologist
Oncologist
Neurologist
Gastroenterologist
And more
This flexibility helps your pet get the right care at the right time.
Emergency Clinics When Every Minute Matters
Emergencies are unpredictable. With Spot, you can take your pet to any licensed emergency clinic. You don’t have to search for an “approved” location—just go where your pet can get help fast.
Covered Care Without Location Restrictions
Wherever you go for care—your local clinic, a specialist, or an ER—Spot’s coverage applies as long as the provider is licensed.
Care Anywhere: Coverage That Travels with You
Any Licensed Vet in the U.S. or Canada
Whether you’re taking your pet on a family vacation or visiting relatives in another state, Spot coverage goes with you. You can visit any licensed vet for covered care during your trip.
This is especially helpful for:
Road trips
Extended stays with family
Seasonal moves
With Spot, you don’t lose coverage just because you’re away from home.
Coverage That Moves with You
If you relocate, your plan stays active and flexible. There are no new networks to join, no provider lists to update, and no need to find a specific “insurance-approved” clinic. Your pet’s care continues uninterrupted.
Simple, Flexible Coverage That Supports Every Vet Visit
Customizable Plan Options
Spot offers flexible plans so pet parents can choose coverage that fits their needs and budget. You can customize each plan with:
Accident-only or accident & illness options
Annual deductible amounts
Reimbursement rates up to 90%
Optional preventive care add-ons
This means you can build a plan that works for your pet—and your wallet.
Fast, Simple Claims Process
Spot’s reimbursement process is designed to be quick and stress-free:
Visit any licensed vet
Pay your bill
Submit your claim online or in the Spot app
Get reimbursed fast—often within 48 hours
It’s pet insurance designed for busy pet parents who need flexibility without extra steps.
Frequently Asked Questions
Do all vets take pet insurance? Yes. Spot Pet Insurance lets pet parents visit any licensed vet in the United States or Canada—no networks or restrictions.
Can I stick with my current vet? Definitely. Spot encourages pet parents to continue care with the vet they trust. Your pet’s plan applies whether you visit your usual clinic or try a new one.
What if I travel? Your Spot plan goes with you. Any licensed vet in the U.S. or Canada is covered, no matter where you’re located.
How does reimbursement work with Spot Pet Insurance? It’s simple: you pay your vet, upload your bill through the app or member portal, and Spot reimburses you for covered costs—often within 48 hours.
Can I use Spot Pet Insurance at an emergency or specialty clinic? Yes. As long as the clinic is licensed, Spot coverage applies. You can visit ER vets, surgeons, dermatologists, orthopedists, and more.
Key Takeaway
Spot Pet Insurance gives pet parents complete freedom to choose any licensed veterinarian—anywhere in the U.S. or Canada. Whether you’re committed to your long-time vet, seeking out a specialist, or dealing with an unexpected emergency, Spot offers the flexibility, control, and confidence you need. With no network restrictions and reliable, customizable coverage, Spot helps pet parents focus on what truly matters: getting their pets the best care possible.
If you need a story or someone to talk to your cat like a person, I’m your person. With 3 cats, 1 dog, and a lifetime of pets, I write from experience, usually with a cat on my keyboard and a dog in my lap.
