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.
13/10 would recommend!!!
I normally don't leave reviews, but I very much felt the need to do so. I switched my pets from Banfield to Spot after MONTHS of research. I mean literally 6 months of research of who had the best coverage, who had the best price, etc. I decided to go with Spot because they offered the most coverage for such a great price. The reason I wanted to write a review was because I recently lost one of my dogs and as I was waiting for Spot to approve everything, I get an email from them saying how sorry they were about the loss of my baby boy Roscoe. I also noticed that they said because of the time-frame of which he had passed (it lapsed into a new month), they weren't going to charge me for that new month and they were going to cancel it for me but if I had any other paperwork to submit that I could do so. It was truly so effortless and a weight off my shoulders not having to deal with all that with the sudden loss of Roscoe. My experience with Banfield was quite the opposite when I lost my dog Benji, it was like fighting tooth and nail with them. Spot made it so easy, I was able to grieve over the loss of my baby without having to deal with the phone calls, the holds and lets be honest, the bs that comes with trying to cancel insurances. They even called me a week later to check in to see how me and Roscoe's littermate Hodor were doing. I really cannot recommend Spot enough!
Excellent and fast
Excellent and fast. No hassle.
Easy to file claim and fast to get…
Easy to file claim and fast to get reimbursed.
Best Experience Upon the Death of Our Cat
I bought pet insurance months ago not knowing what to expect. Our cat unexpectedly passed away due to an undiagnosed condition. Prior to this we had no claims submitted. I wasn't expecting much from the insurance but the submission was very easy for his end of life expenses. And their response to our cat's death was so very kind. They called me, sent a message via email, and we received a wonderful card. They proactivley cancelled the insurance which saved us time and future unnecessary charges. We love cats and will be adopting one again soon, and Spot Pet Insurance will definitely be a part of our life. Thank you to all at Spot for your kindness and sympathy during this time.
The Payment was fast!
The Payment was fast to my account and explanation of benefits paid were clearly written.
I have done two claims through Spot in…
I have done two claims through Spot in last 5 years, both over$1500 and other than my deductible they paid to the dime the amount I expected. Claim processed in a week and the first one was received in the 5-10 days by mail as they said and the second claim check I should get this week. Other than my own shortfalls of uploading the documentation the process was seamless. I was unable to find my Credit Union on their site so had to do mail. I spoke to them by phone in which staff answered quickly, gave me additional options on submitting the claim. Also the staff was very sympathetic about my dog. ❤️
After going through such a scary…
After going through such a scary experience, it was so nice to talk to wonderful people at Spot insurance. They made such a difference.
The Meaning of Good Customer Service
My overall experience with Spot Pet Insurance is amazing!! I’m using this adjective to describe them because on the wonderful service (s) the provider for my little furry family member. Some insurance companies will let you go on paying for services you don’t need any longer. When it was time for my renewal the rep really help me in my decision. When you file a claim they are very prompt in paying with no hassles. I’m so happy I selected this company, I’m very happy with them!!!!
They wanted to help
I was having a lot of trouble trying to submit a claim. Your representative knew just what to do. The claim was submitted and processed that week.
Took care of a lot of my very expensive…
Took care of a lot of my very expensive dog surgery and recovery now
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.