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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.
Easy to use website and helpful
Easy to use website and helpful, courteous customer service.
Best decision I've ever made for our doggie
A couple years ago I decided to purchase pet insurance for our "middle aged" rescue mutt. I had never had pet insurance in 30 years of having dogs, because I figured the insurance cost would not be worth it. I already have enough hassles to deal with managing my family's health insurance payments/co-pays/claims, etc. Within 6 weeks of signing up for the insurance, our dog got very sick... almost died. It turns out Spot pet insurance has been a joy. The rates are fair, and unfortunately, our dog just got really sick for the second time since I started the policy. Both times we were left with large emergency pet hospital bills totaling thousands of dollars. Both times I submitted claims expecting to be at least partially denied, or to have to put up a fight to be reimbursed. Both times, the payments were made quickly, direct deposit into my checking account. I wish I could switch my own health insurance to Spot!
Great response time and everything was…
Great response time and everything was handled well.
Super easy process
Super easy process. So glad we went with Spot.
Easy interface
Easy interface
Great customer service.
Great customer service. Easy process on a user friendly webpage.
The vet bill was handled and taken care…
The vet bill was handled and taken care of for me efficiently and quickly!!
Your response was prompt and friendly
Your response was prompt and friendly. I was also impressed that within 12 days we had a decision about our claim and the payment was in our account. So much appreciated!
Easy and Fast!
thank you for making filing claims easy. reimbursement was quick.
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.