To register for Spot Pet Insurance, go to the Spot Member Center or open the Spot app and create your account with the email you used to sign up, a new password, your account number, and the ZIP code where your pet lives. Your account number looks like A123456 and was emailed to you when you purchased your policy.
How Do You Register for Spot Pet Insurance?
Registering is quick. Have your welcome email handy, then follow these steps:
Go to the registration page. Visit the Spot Member Center and choose "Register Your Account," or download the Spot app.
Enter your email address. Use the same email you used to sign up for your policy.
Create a password. It must include at least 6 characters, 1 special character, and 1 number.
Enter your account number. It starts with a letter, like A123456.
Enter your ZIP code. Use the ZIP code where your pet lives.
Here's what you'll need and where to find it:
What you need | Where to find it |
|---|---|
Email address | The email you used when you bought your policy |
Account number | Your welcome email from Spot |
ZIP code | The ZIP code where your pet lives, as entered at sign-up |
New password | You'll create it during registration |
Can You Register in the Spot App?
Yes. The Spot app lets you log in or register using the account number emailed to you, then manage your policy from your phone. It's available on the App Store and Google Play.
The app is the easiest way to submit a claim, and you can turn on notifications to hear the moment a claim updates. You can also reach the 24/7 pet telehealth helpline from the app as soon as you log in.
Why Can't I Register My Spot Account?
Most registration problems come down to a detail that doesn't match what you entered at sign-up. Here's how to fix the most common messages:
If you see this message | What to do |
|---|---|
"The account number you entered does not exist." | Check your welcome email and re-enter the number, including the first letter |
"The email address you entered does not match the account." | Use the email you signed up with, not a work or backup email |
"The ZIP Code you entered does not match what was used to sign up." | Enter the ZIP code where your pet lives, as given at sign-up |
"It looks like you've already registered an account." | Log in instead, or use "Reset Password" if you've forgotten it |
Still stuck? Call Spot's customer service team at 1-800-905-1595, Monday through Friday from 8 a.m. to 8 p.m. EST. Saturday hours, from 8:30 a.m. to 5 p.m. EST, are for sales only.
What Can You Do in the Spot Member Center?
After you register, the Member Center becomes your home base for managing your policy. You can:
Submit your claims and track their status
Pay bills, view billing history, and pay an invoice up to 30 days in advance
Sign up for direct deposit
Review your pet and policy information, and add a pet photo
Add a new pet
Find a nearby vet clinic
Access ASPCA Animal Poison Control and the 24/7 pet telehealth helpline
Update your contact information and look up answers to common questions
For a closer look at each feature, see our guide to Spot Member Center benefits.
What Should You Do After You Register?
A few quick steps now can make your first claim go smoothly later.
Set up direct deposit. Direct deposit reimbursements usually arrive 2 to 3 business days after a claim is completed, and they must go to a checking account. Without direct deposit, reimbursements are mailed as a check, which typically arrives within 7 to 10 business days.
Add account owners. You can add up to three account owners. The person who enrolled is the primary owner, and co-owners are authorized to speak with Spot about the account and can change or cancel the policy. The primary owner stays on all official policy documents.
Review your policy. Check your deductible, reimbursement rate, and annual limit, and read the sample policy for details on what's included and excluded. Spot Pet Insurance plans have a 14-day waiting period in most states before coverage begins, so check your policy documents for the waiting period in your state. The optional preventive care add-ons have no waiting period.^
Add another pet. Use the Add-A-Pet link on the Member Center home page. Spot offers a multi-pet discount on each additional pet after the first.~ Learn more about multi-pet insurance.
Know how billing works. A $2 transaction fee applies per billing cycle, and it's waived if you pay annually.
How Do You File Your First Claim?
Filing a claim with a Spot plan takes three steps:
Visit your vet. Get the care your pet needs for an accident, illness, or routine visit (if your plan includes preventive care coverage).
Pay your bill. Keep your invoice and any supporting documents handy.
Submit your claim. Log in to the Spot Member Center or open the Spot app to upload your bill. It takes about 30 seconds to complete.
You can submit a claim within 270 days from the date of treatment. With a Spot plan, you can visit any licensed vet in the U.S. or Canada, including eligible specialists and emergency clinics. For a step-by-step walkthrough, see how to submit a pet insurance claim.
How Do You Sign Up for a Spot Plan?
If you haven't bought a policy yet, start with a free quote. You'll enter your ZIP code and your pet's name, age, species, sex, and breed. Then you can customize your plan by choosing a deductible, an annual limit, and a reimbursement rate of 70%, 80%, or 90% of eligible vet bills, paid after you meet your deductible.
There's no open enrollment period, so you can sign up any time. Pets can be enrolled once they're 8 weeks old, and there's no upper age limit for coverage or enrollment. Pre-existing conditions aren't eligible for coverage, but cured and curable conditions that have been free of treatment and symptoms for 180 days are no longer considered pre-existing, with the exception of knee and ligament conditions.
Frequently Asked Questions
Where do I find my Spot account number?
Your account number was emailed to you when you signed up for your policy. Search your inbox for your welcome email from Spot. The account number starts with a letter, like A123456. If you can't find the email, call customer service at 1-800-905-1595 and a team member can help you locate your account.
How do I log in to Spot Pet Insurance?
Once you've registered, log in to the Spot Member Center at app.spotpet.com or open the Spot app, then enter the email and password you created. If you've forgotten your password, use the "Reset Password" link on the login page. If you haven't registered yet, choose "Register Your Account" first.
Does Spot have an insurance card?
No, Spot doesn't issue insurance cards. With a Spot plan, you pay your vet directly and then submit a claim for reimbursement, so your vet doesn't need a card to treat your pet. Your policy details are always available in the Member Center or the Spot app if you need to share them.
When does my Spot coverage start?
Spot Pet Insurance plans have a 14-day waiting period in most states, so coverage for accidents and illnesses begins after that period ends. Check your policy documents for the waiting period in your state. Optional preventive care coverage has no waiting period, so you can start using those benefits the next day.^
~10% multi-pet discount is available on all pets after the first (5% on each pet in WA). More information available at checkout.
^Exam fees for wellness or annual exams are not covered unless you have purchased the optional preventive care coverage.
Creative manager by day, pet enthusiast all the time! After 19 years with my dog (hopefully he wins the award for oldest pet in the world), I enjoy spending my days brainstorming tail-wagging content, and sniffing out the latest trends in the pet world.
