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.
It is easy to file the claims with Spot…
It is easy to file the claims with Spot Pet. We had to euthanize our dog Max last month and they sent a beautiful sympathy email and also cancelled his insurance without my having to ask. They also called and said how sorry they were that our dog passed.
Love the Spot App
Easy app to maneuver, quick to get reimbursed. These days we like easy, and spot is easy! Make sure you look at your deductible and how much they will pay on a yearly basis, but it’s all there when you sign up, with options.. 5 stars!
The company is really quick on paying claims
The company is really quick on processing the claims and reimbursment.
Very easy to submit a claim and refunds…
Very easy to submit a claim and refunds are there within a week every time!
Excellent and hassle free process
Excellent and hassle free process. The application for a claim was simple and detailed. Turn around was quick and without complication’s.
Excellent experience
Excellent experience. The claim process was very simple and painless. Also I love the speed in which the claim was processed. The payment was fair. The only issue I have is the monthly cost; a little expensive, but given the return it is worth it.
The easy claim process
The easy claim process. And quick payment release for reimbursement. I love doing business with them.
I got the refund of my vet bill very…
I got the refund of my vet bill very fast. It was easy to fill out the claim forms, so I can recommend Spot Pet insurance.
Super Easy Process
The process of submitting claims is easy and only requires a few questions along with documentation of visit and invoice. Then just waiting period for review. The EOB is also great for explaining what is covered and not covered in your policy.
Love the quick review and payment of…
Love the quick review and payment of claims!
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.