When your pet needs care, you shouldn't have to worry about whether your vet is "in-network." With Spot Pet Insurance, pet parents have the freedom to choose any licensed vet in the U.S. or Canada.
That means you can stick with your trusted local clinic, visit a specialist, or seek emergency care wherever you are—no restrictions and no extra steps. Spot helps give pet parents flexibility and peace of mind, so you can focus on what matters most: helping your pet feel their best.
No Network Restrictions — Visit Any Licensed Vet
Unlike some types of insurance, Spot Pet Insurance offers pet insurance with no network restrictions, meaning we don't require you to visit specific clinics or hospitals. You’re completely free to visit any licensed veterinarian, specialist, or emergency clinic in the United States or Canada.
Whether you’re at home, traveling, or relocating, your pet’s coverage goes with you. Spot’s no-network approach helps make sure your pet always gets the care they need, wherever life takes you.
Stick with the Vet You Trust
Every pet parent values the bond they’ve built with their vet. They know your pet’s health history, personality, and care preferences—and Spot helps make it easy to keep that relationship.
With Spot Pet Insurance, you can choose your own vet and stay with the local veterinary clinic or specialist you already know and trust. You don’t have to switch providers or travel across town just to meet insurance requirements. It’s care on your terms, with people you already rely on.
Simple and Flexible Pet Insurance Coverage
Spot’s flexibility doesn’t stop with vet choice. Our plans offer flexible pet insurance options that are customizable, so you can select your preferred annual coverage limits, deductibles, and reimbursement rates.
You’ll get the same freedom when submitting a claim: simply pay your vet, upload your bill online or through the Spot app, and get reimbursed quickly. Spot’s process is simple, fast, and designed for convenience.
Benefits of Having Pet Insurance with Vet Choice
When you have the benefits of pet insurance, flexibility that lets you choose any vet, you can gain significant advantages:
Better continuity of care with your trusted clinic or specialist.
Convenience and control wherever you are in the U.S. or Canada.
Less stress in emergencies—no need to worry about finding an approved provider.
Full transparency—you decide who treats your pet, not your insurer.
Spot puts pet parents first, helping to give you the flexibility to make the best decisions for your pet’s health and comfort.
FAQs About Choosing a Vet with Spot Pet Insurance
Do all vets take pet insurance? Yes! With Spot Pet Insurance, you can visit any licensed vet in the United States or Canada. There are no networks or restrictions, so you can go to your regular clinic or any other licensed veterinarian.
Can I stick with my current vet? Absolutely. Spot encourages pet parents to stay with the vet they trust most. You can continue visiting your local vet or specialist—Spot’s coverage follows your pet wherever you go.
What if I move or travel? Spot coverage travels with you! As long as you visit a licensed veterinarian in the U.S. or Canada, your coverage stays active, no matter where you are.
How does reimbursement work with Spot Pet Insurance? Simply pay your vet at the time of service, submit your claim online or through the Spot app, and get reimbursed for covered vet bills—often within 48 hours.
Can I use Spot Pet Insurance at an emergency or specialty clinic? Yes, you can. Spot’s no-network restriction policy means you’re free to use any licensed emergency or specialty vet for covered care.
Key Takeaway
With Spot Pet Insurance, you don’t have to compromise on your pet’s care or your choice of veterinarian. Whether it’s your long-time family vet, a specialist, or an emergency clinic, Spot gives you freedom to choose any licensed vet in the U.S. or Canada.
It’s flexible, simple, and built around what matters most: your pet’s health and your peace of mind. Spot makes it easy for pet parents to get care anywhere, anytime, with no networks and no limitations.
The resident animal enthusiast at Spot. I have a lifetime of pet parent experience. If it has fur, feathers, or scales, I’ve probably shared my home with it. I aim to be a reliable source, blending experience with a dedication to the well-being of pets.
