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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.
Easy
Yuck responses
Easy to use! Quick Reimbursement
Spot was easy to purchase an easy to navigate. The reimbursement system is super easy to just upload my invoice and then get reimbursed directly into my bank account and the reimbursement only takes a couple of days which is really nice!
Very easy to submit a claim
Very easy to submit a claim, and I received my money fast.
Your refunds for services is very…
Your refunds for services is very timely. Keep up the good work
Easy to fill out claim application
Easy to fill out claim application. And payment was quick and fast right into my checking account. Would highly recommend.
I highly recommend Spot Pet Insurance…
I highly recommend Spot Pet Insurance My dog recently needed surgery, which was already a very stressful experience, but Spot made the insurance part so much easier. Submitting my claim was quick and easy, and I was very impressed with how fast I received my reimbursement. Having that financial support during such an unexpected situation gave me a lot of peace of mind. Spot made the whole process simple and stress-free when I really needed it. I’m so glad I chose Spot for my dog’s insurance and would definitely recommend them to other pet parents!
I bought the Platinum Insurance for my…
I bought the Platinum Insurance for my puppy. I submitted the paperwork for vet visit.They paid the bill for my puppies shots, visit and heartworm med all within 2days . Great Company and friendly associates!
They processed my claims in a timely…
They processed my claims in a timely fashion.
Very easy to submit claims and you hear…
Very easy to submit claims and you hear back in a timely manner. It is a stress free way to have coverage for your beloved pet. If only human insurance could be this easy.
Another satisfied customer.
Was supportive and far in their reviews and paid back nicely. Preventive care is one of their concerns and they reward well to support your pets life care needs.
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.