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.
Not easy to work with
Not easy to work with or get the correct reimburstment. Very disappointed that you can’t keep accurate records and ask for the same information over and over again just to delay payment
Claims Processed Quickly
Spot Pet Insurance processed my claims in a timely manner. From the time I sent the information needed to process the claim, I wasn’t expecting for my claim to be processed as quickly as it was. I would recommend Spot Pet Insurance for your pet.
dependable
Helpful thanks
Haven’t used it that much
Haven’t used it that much, but we are pleased we chose SPOT for our dogs.
Life saving
My young, healthy, happy dog became suddenly ill requiring emergency hospitalization and life saving medical treatment and surgery. If I didn’t have this insurance, I may not have been able to continue the treatments. But he is home and recovering. It was easy to submit the claim in the app and reimbursement was processed in a timely manner.
Great customer service
Great customer service. Quick to respond to my claims and concerns. Resolve claim refund in a timely and proper manner.
Spot Pet insurance is so easy to use
Spot Pet insurance is so easy to use. I had to file a claim and the process was step by step. Fast too!!!
How quickly my claim was processed.
How quickly my claim was processed.
We love Spot insurance
We love Spot insurance. We, unfortunately, have had to submit several claims. Submitting the claims is fast, easy and quick. Reimbursement comes with a detailed explanation and are easy to understand. I would highly recommend using Spot.
Submitting claim procedure is super…
Submitting claim procedure is super clear and easy. Now is time to wait for the reimbursement
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.