America's Favorite Pet Insurance
Special Offer for Avista Employees
Up to a 20% Discount||
||10% group discount on every pet. Not available in TN or WA. 10% multi-pet discount applied for all additional pets added. 5% in WA on each pet. Discounts vary and are subject to change.
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.
Great communications and follow…
Great communications and follow through. Easy to work with.
Spot Pet Insurance was SPOT on my fur…
Spot Pet Insurance was SPOT on my fur Baby got sick took him to the vet submitted my bill afterwards smooth process got Paid. I liked Spot
Fantastic
Fantastic, QUICK and per our AGREEMENT
No Regrets! AMAZING Experience and also my dog has the IQ of an artichoke..
Just...wow. So we got a lab puppy (ie: a vaccum cleaner with legs that barks) two years ago and remembering how I had to use funds in my 401K for my last pet for a surgery, I immediately purchased Spot Pet Insurance. It wasn't random: I researched, read reviews and thought this one would be best. And then for two years, I never used them. I paid auto deposit every month and just thought I'd be doing this until my blond tornado was 10 or so and needed something replaced (hips, knee, brain...he's a lab). Welp, being as he's a lab, he ate...something. We think a poison toad (he likes to carry frogs in his mouth from one side of the yard to the other and let them go--like a Frog Uber or something). And he got sick. REALLY sick. Like blood all over the carpets and refusing to eat ANYTHING sick (if you've ever had a lab, you understand why the eat refusal is cause for alarm). Our vet saw him and immediately sent him to Emergency Services where he spent most of the weekend. Had we not taken him, he would not have survived. But the bill...it was thousands of dollars. It was the vacation money we planned for next week. So I nervously filed my first claim with Spot, wondering if I would see anything. A week later: 80-percent of my entire bill is direct deposited into my account. All I did was upload the vet bill. No forms, no phone call, no accusations, no arguing, no requests for additional information: just approved immediately and paid immediately. So yeah-Spot gets five stars. I'd give them more but it's not allowed and also my dog would probably eat those too. Anyways--never been so happy to have a bill on auto pay in my life! Saved the day and my credit card! AND--we leave for that vacation in two days!
Spot has been amazing
Spot has been amazing! I tell people all the time to get SPOT pet insurance. I wish human insurance worked similarly. They are easy to work with and seem to share the love of animals just as we do. They really are here to help and do what's best for your pet! We highly recommend!
Quick!!
The claim was sent out to me so quickly!! I had my vet appointment 7 days ago, I think I waited until the night evening to submit the claim and by 8:00 am this morning I had a deposit!!!! Amazing.
After a very expensive trip to the…
After a very expensive trip to the emergency Vet, I filed my claim and was reimbursed for most of the out-of-pocket expenses directly into my account within a very short period of time. It was a true blessing, and I couldn't be more pleased with my decision to purchase the insurance for my pet. Thank you, Spot Pet Insurance!
Great Customer Service!!!
The claim was handled very quickly and efficiently. Great company to work with!! I will keep my Rosie’s insurance with Spot! Thank you for helping make a difficult event easier.
Submitting claims are easy
Submitting claims are easy. Claims are processed quickly.
Great pet insurance
This insurance truly is great!!! I had no issues at all getting reimbursed! Truly pays to have pet insurance since the bills can get pretty high
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?
- 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.