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.
We had a claim on our sweet English…
We had a claim on our sweet English Bulldog that got overheated this summer! Spot made it so simple and hassle free. Easy!! Got reimbursed super fast!
Very easy to submit a claim,and it was…
Very easy to submit a claim,and it was processed in a timely manner. Everyone I spoke to answered all my questions and made things easier.
Thank you for making it easy to file a…
Thank you for making it easy to file a claim and paying promptly. I tell everyone about Spot!! Thank you V Koski
Pet insurance
So far it’s been everything we expected we had a different insurance for our last dog happy we found Spot
Excellent customer
Excellent customer. Quick processing of claims. They're great!
Thanks!
Spot definitely helped cover some of my expenses when my cat caught an illness. Grateful !
I submitted my invoice from the vet and…
I submitted my invoice from the vet and I was refunded most of the cost I spent at the vet. I've only had it for a month but so far so good took a week to get paid back . I dont know how they are long term and the limits yet, for example do I get 25$ off 1 time for the whole year for flea medication? That is kinda lame . But other than that so far they have been good. I pay 50$ a month total in CA.
Putting in my claim was easy and they…
Putting in my claim was easy and they were quick to send me my check. Thank you spot your the best.
Excellent Coverage and Hassle-Free Claims
I'm very satisfied with Spot Pet Insurance. They have consistently paid my claims according to the policy terms, and I really appreciate their reliable coverage. Thanks to Spot, I've been able to provide my cat with the medical care she needs without worrying excessively about the cost of treatment. The claims submission process is simple and straightforward. Spot also appears to communicate directly with the veterinary clinic to obtain any necessary medical information, which makes the process even easier for me. Overall, I'm very happy with Spot and would highly recommend them to other pet owners.
Claim process review
Easy to submit claim and was processed in a timely manner.
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.