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.
Fast ,easy and very helpful on the phone
Fast ,easy and very helpful on the phone
I picked the middle of policy for my…
I picked the middle of policy for my cat. Only 13 dollars a month. When he gets emergency cost 1000 dollars, but spot insurance give me back 804. I am so happy and satisfied, cuz you're gonna to save your pet, no matter what. When you have the insurance you got peace of mind. I insured 3 of my baby’s, cost 100 a month. It’s totally worth it.
Spot does what Spot promises to do
Spot does what Spot promises to do: it reimburses 90% of my vet bills after the annual deductible. Easy claim processing; easy communications channels; direct deposit for quick reimbursement. Sadie Killmouski and I are quite satisfied.
Easy to file claim and claim paid…
Easy to file claim and claim paid quickly
App is easy to use and reimbursement is…
App is easy to use and reimbursement is quick
Spot Pet Insurance is an incredible…
Spot Pet Insurance is an incredible company. We are so glad we joined. We recently had both of of furbabies seen be specialist in veterinary medicine. The fact that we had Insurance for our babies was a relief and helped with very stressful times. Our claims were handled quickly and our payments were equally fast. We are grateful for their care and attention.
Always a quick turnaround when I file a…
Always a quick turnaround when I file a claim!
Easy to file claims and quick
Easy to file claims and quick, efficient payment. Thanks Spot!
Quick turnaround on claims!
Quick turnaround on claims!
I was very impressed with a quick…
I was very impressed with a quick claim. I was paid within seven business days. Thank you.
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.