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.
Prompt reimbursement
Prompt reimbursement for our fur-baby's recent visit to the veterinarian made it less stressful for us.
Very easy to work with
Very easy to work with. Company was very responsive and made the reimbursement process a breeze.
Spot was Spot on.
Spot was Spot on for processing the payment. They processed the payment before my Siberian Husky Enza went in for her 2 week checkup for a torn CCL. They saved me over $3,300.00 so obviously I highly recommend Spot Pet Insurance. My daughter has 2 German Shepards, they were running in her backyard, 1 of them had her stomach flip and needed an emergency visit to the Vet and an operation. They didn’t have insurance, almost $5,000.00 vet bill. That’s when I decided to get insurance. Dogs aren’t cheap, Spot Pet Insurance is.
Claim was promptly processed and paid
Claim was promptly processed and paid. Great customer service! I am glad that I have this insurance after many years of a healthy kitty at this difficult time.
Seamless experience
Seamless experience Fast processing.
Very pleased with this company
First, I think Spot has better coverage than a lot of the other Insurance products on the market. Second, and more importantly, they processed my case very quickly and issued the reimbursement directly to my bank. Lastly, they are reasonably priced for better coverage. As long as prices stay the same I have no reason to look around for alternatives.
Great service
The process to submit a claim is easy and the response time is fast! So far I’ve had a great experience
The ease and submitting billing is so…
The ease and submitting billing is so nice and stress free.
Great Experience!
Great Experience! Very quick to communicate and let me know the status of a claim. Quick reimbursement following our pup's surgery. Best decision we've made as pet owners! Highly recommend.
I was extremely amazed how easy and…
I was extremely amazed how easy and quick it was to process the claim and to received the refund within a few days - already telling anyone I know if they don’t have insurance they should get spot
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.