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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.
Great experience!
I could not believe how easy it was to submit a claim and receive a reimbursement. A few weeks after buying insurance, my dog ended up in the pet ER. I was so relieved to have Spot Insurance!
Submitted my claim through the app…
Submitted my claim through the app (extremely simple process) and within 2 days money was in my bank account!!!
My experience with Spot—the claim…
My experience with Spot—the claim process was simple and fast.
Handles claims efficiently
Handles claims efficiently. Keeps us updated.
Easy and Quick Response
Thankfully, I have not had to submit a claim before, but when I did, it was very easy to upload the doctor's notes and receipt from our emergency visit. Spot was quick to respond and validate our claim. I appreciate the ease and quickness that Spot offers.
First time having to make a claim
Our dog had medical issue where she needed treatment. Spot Pet Insurance quickly took the claim and reimbursed us quickly for the claim. We are so thankful to Spot Pet Insurance for taking care of our claim quickly
LOVE SPOT
I absolutely love Spot pet insurance. I have not been disappointed with any of the claims that I have filed for my 1-year-old Frenchie.
Super easy process, fast response
It was very easy to submit all supporting documents; it was very clear exactly what’s needed in support of the chief complaint (lab results, orders, etc). One of the three claims I submitted came back as a 70% refunded less than 48 hours later, which was great.
I was pleased to get $90 back on a…
I was pleased to get $90 back on a wellness exam. This helped cover all vaccines and his check up.
Really satisfied
It was really easy to submit the claim, I was surprised at how smoothly everything went.
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?
- *10% group discount available on every pet. Not available in TN. Additional 10% multi-pet discount on all pets after the first. Discounts vary and are subject to change.
- 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.