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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.
Fast response after sending claim
Fast response after sending claim
SPOT Delivered on Their Promise
I’ve had a great experience with SPOT Pet Insurance. Recently, my senior rescue cat needed a treatment that cost several thousand dollars. I submitted all the required records, and once SPOT received the documentation, my reimbursement was processed without any issues. What I appreciate most is that SPOT has not raised my premiums because of my cat’s age, unlike some other pet insurance companies. One company I contacted wouldn’t even cover pets over 13 years old. The condition my cat was treated for developed after she was enrolled, and SPOT honored the coverage as promised. The claims process was easy, the reimbursement was fair, and SPOT has not disappointed me. I highly recommend them to other pet owners.
I have not had a need to really use the…
I have not had a need to really use the insurance up until now. Our kitty is normally very healthy and happy. But, that seemingly changed in an instant that he was lethargic and not eating. Although the vet did not isolate the exact cause of the fever, the IV fluids and antibiotic brought him out of the illness. I am very thankful to Spot for standing with me during this ordeal. It was overwhelming.
Great company ! Never had a problem
Spot is very quick to respond to any submissions. Never had an issue with claims. Very good price - they are always fast and efficient responses!! Definitely recommend them! The price is even better if you go through sams club! Find it a great value for pet insurance and I have had a few different insurances.
Processed my claim very quickly.
Processed my claim very quickly.
Great communications and follow…
Great communications and follow through. Easy to work with.
Spot Pet Insurance was SPOT on my fur…
Spot Pet Insurance was SPOT on my fur Baby got sick took him to the vet submitted my bill afterwards smooth process got Paid. I liked Spot
Fantastic
Fantastic, QUICK and per our AGREEMENT
No Regrets! AMAZING Experience and also my dog has the IQ of an artichoke..
Just...wow. So we got a lab puppy (ie: a vaccum cleaner with legs that barks) two years ago and remembering how I had to use funds in my 401K for my last pet for a surgery, I immediately purchased Spot Pet Insurance. It wasn't random: I researched, read reviews and thought this one would be best. And then for two years, I never used them. I paid auto deposit every month and just thought I'd be doing this until my blond tornado was 10 or so and needed something replaced (hips, knee, brain...he's a lab). Welp, being as he's a lab, he ate...something. We think a poison toad (he likes to carry frogs in his mouth from one side of the yard to the other and let them go--like a Frog Uber or something). And he got sick. REALLY sick. Like blood all over the carpets and refusing to eat ANYTHING sick (if you've ever had a lab, you understand why the eat refusal is cause for alarm). Our vet saw him and immediately sent him to Emergency Services where he spent most of the weekend. Had we not taken him, he would not have survived. But the bill...it was thousands of dollars. It was the vacation money we planned for next week. So I nervously filed my first claim with Spot, wondering if I would see anything. A week later: 80-percent of my entire bill is direct deposited into my account. All I did was upload the vet bill. No forms, no phone call, no accusations, no arguing, no requests for additional information: just approved immediately and paid immediately. So yeah-Spot gets five stars. I'd give them more but it's not allowed and also my dog would probably eat those too. Anyways--never been so happy to have a bill on auto pay in my life! Saved the day and my credit card! AND--we leave for that vacation in two days!
Spot has been amazing
Spot has been amazing! I tell people all the time to get SPOT pet insurance. I wish human insurance worked similarly. They are easy to work with and seem to share the love of animals just as we do. They really are here to help and do what's best for your pet! We highly recommend!
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.