Recognized by Pet Experts. Trusted by Pet Parents.
What's pet insurance?
Pet insurance can help cover veterinary costs.
Spot plans can help with unexpected vet bills from accidents and illnesses. Add a preventive care option for help with wellness vet bills.
is the average annual medical care cost for pet parents
pets need emergency care every year1
What's covered?
Spot plans cover your pet from head-to-tail.
When they're sick
- Skin, Eye, & Ear Infections
- Cancer & Growths
- Behavioral Issues
- Congenital & Hereditary Conditions
- Dental Illnesses and much more
When they're hurt
- Vet Exam Fees & Lab Tests
- MRI or CT Scans & X-rays
- Surgery & Hospitalization
- IV Fluids & Medications
- Medical Supplies and much more
When they're healthy
- Spay & neuter
- Dental cleaning
- Wellness exam
- Dog DHLPP or Cat FVRCP and so much more.
How does pet insurance work?
Spot makes it simple for pet parents to submit a claim and receive reimbursement for eligible services in just a few days.
Visit the vet
Visit any vet in the U.S. or Canada.
Submit a claim
Submit your claim online or through our app.
Get reimbursed
Receive your reimbursement quickly and easily.
Do I need pet insurance?
Spot plans can help put cash back in your pocket and give you peace of mind.
Without a Spot plan
With a Spot plan
We're ahead of the pack.
Don't settle for anything less than the best. Spot's pet health plans run well ahead of the pack.
How do we compare?2
Most providers
Happy pets. Happy pet parents.
Pet parents have chosen Spot to help them get coverage for over 650,000 pets.
Spot makes it very simple to place a…
Spot makes it very simple to place a claim with lots of options for doing so. I chose to use snail mail and have had no difficulty. Spot lets me know when they receive my claim, when they have processed the claim, and what the payment is. I find Spot a very good pet insurance and will recommend Spot to my friends.
Spot Pet Insurance is helpful!
I called Customer Service several times, and the customer service rep was helpful in figuring out the answer to my question. They covered things that I didn't think would be covered by my policy. It took a little bit of effort for me to submit all the info they required, but once that was done the process moved relatively quickly. Only issue was that the website didn't show updates to what was happening with my claim right away, but I was able to call Customer Service and they verified where we were in the process.
The site is so easy to use and…
The site is so easy to use and uploading documents is a breeze!
Fast service and overall good experience
One of my daschunds fell sick unexpectedly and had to spend several nights in the hospital. Submitting a claim via Spot's website was super easy and intuitive. You can also track the status of the processing of your claim. It didn't take long before my claim was processed and my reimbursement was issued. I am super pleased with Spots services thus far.
Claims submission process is simple
Claims submission process is simple. Claims review and reimbursement have always been completed in a fairly timely manner. I’ve never had a problem working with this company.
Spot really is great
Spot really is great! It’s so easy to submit claims and they keep you updated along the way.
Trustworthy insurance with a caring team
This is my first year with Spot, and so far I am satisfied with my experience. What stands out most is their team is remarkably compassionate and caring toward animals. Filing claims is easy as long as you have all the medical records ready, and payments are processed quickly.
excellent experience
The company processed my claim in an expeditious manner and cover my claim in full.
Reimbursement is fast and easy.
Reimbursement is fast and easy.
Everything was seamless and the payment…
Everything was seamless and the payment came quickly.
Why choose Spot?
Special Offers for Dog Parents with Spot Perks
Frequently Asked Questions
Do you offer any discounts?
Are there any age limits?
What is the best age to insure my pet?
Does Spot offer a plan for preventive care coverage?
Do plans provided by Spot have a money-back guarantee?
How does pet insurance work?
How do I submit a claim?
- *Includes up to 10% group discount plus up to 10% multi-pet discount discount on 2nd+ pets. Discounts vary by state and are subject to change. Not available in all states.
- 1Pet Insurance Statistics 2025” Forbes Advisor, Jan. 2, 2025, https://www.forbes.com/advisor/pet-insurance/pet-insurance-statistics.
- 2Comparison information is provided using publicly available information as of 3/2/2025 and is only meant to summarize program features, not a specific plan. Review the provider’s plan terms for more details. The description of the providers’ plans is not provided by that company. If you have questions about other plans, please contact an agent of that company. It is our intention to provide fair and accurate comparison information. We attempt to keep the information up to date but it may change from time to time. If you are aware of any inaccuracies or changes in the information provided, let us know by emailing marketing@spotpet.com.