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.
Reason for getting pet insurance
Reason for getting pet insurance. I was reluctant to get pet insurance but the dog we adopted was 9 years old at the time. Although her spaying wasn't covered, she was a breeding dog and needed to be spayed, most of her other charges have been covered which has been a godsend.
Excellent response to claim
Excellent response to claim
Very pleased with the simplicity of…
Very pleased with the simplicity of submitting claims and the timely refund . I purchased insurance for my weimaraner just in case something catastrophic were to happen. I opted for a high deductible and 20% co-pay. Unfortunately my dog became ill in Dec. and I don't have the added stress of dealing with all the vet bills. Highly recommend Spot Pet Insurance
I had a lot of trouble filing the…
I had a lot of trouble filing the recent claim on line. After several attempts I finally printed and sent through the postal mail. So not very happy with online claim process. However once you received the paper copies you processed in a timely manner and covered the items in the claim. Money has now been direct deposited.
easy claims
the process for sending in a claim is very clear and easy. Refund is paid quickly.
Filing claims is quite simple and…
Filing claims is quite simple and reimbursement also gets to be a simple process
The process for submitting a claim was…
The process for submitting a claim was very easy to do in the app. And claims were processed within a couple of days.
Great CS
Great CS. Any time I call I’m able to get my questions answered. Both claims I have filed have been paid promptly and without any issues
Recent claim experience
I just recently submitted a claim and it was handed quickly and efficiently. The money was in the bank when they said it would be. The claim process was easy enough to submit using the convenient phone app. Not super happy my annual payment went up but I'm happy Spot has my back!
Everything in short time was paid
Everything in short time was paid. I’m more than satisfied and I’m happy I did choose SPOT as my dogs insurance. Only recommended.
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.