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.
Muy buena experiencia porque llevé a mi…
Muy buena experiencia porque llevé a mi mascota al veterinario para sus vacunas luego envié la factura del procedimiento y los tres días me reintegraron el valor que pagué
helpful , good comcation
helpful comcation
Easy claim service on the portal
Easy claim service on the portal. Spot reached out to my vet for additional medical records. Claim was processed in an about 2 weeks. Check is coming I the mail. Easy and great service. Glad I had them!
Easy, fast!
Claims were easy to make and were processed quickly and clearly.
Quick Responses
I appreciated the quick response to my questions and my claim.
I am a returning client
I am a returning client after the passing of our dog. I now have two new cats registered through Spot Pet and the process was simple. and excellent company.
I have been with this company for 4…
I have been with this company for 4 years and the only constructive criticism i have to say is about the increase on the annual fee, i know how everything is expensive now a days and the only hope to afford care, is insurance as long as is reachable. For the rest i can say only good things, every time I had a claim has been processed with no problems and efficiently.
Spot Insurance
Spot delivers on its promises! Ease of Claims: Super simple submitting invoices online without endless forms. Fast Payouts: Direct deposit hit my bank account in record time. Peace of Mind: Fantastic service when you need it most. Couldn't be happier with their service—worth every penny for hassle-free pet care!
I had my first big claim on my cat
I had my first big claim on my cat. I sent everything to spot. It only took a couple days for them to review everything then I was told my check would get to me in about 6 to 10 days. It was that easy. Thank you for making this bad time simple for me!!! Christine Joyce
Every time I've called with a question…
Every time I've called with a question or concern the customer service has been wonderful. So friendly, and they always get me the information I need.
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.