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.
Outstanding service
Our claim was approved with zero issues and in a timely manner. I'm so glad I went with Spot. Thank you.
The reimbursement process was fast and…
The reimbursement process was fast and easy!
It was an easy process to submit my…
It was an easy process to submit my invoices. It took a few days for them to process my payment but it was dorect deposited into my account. My account showed an EOB so I could see what wasn't covered. Good experience all around.
Easy to submit bills and timely…
Easy to submit bills and timely reimbursement. Thank you
Highly recommend
Highly recommend
It was really fast efficient and fair…
It was really fast efficient and fair in my reimbursement costs.
Fast!
Quick, easy, and responsive for claims with refund payment.
Easy to enroll
Easy to enroll, file a claim and good turn around on a claim.
Simple process....fast turn around.
Simple process....fast turn around.
The best pet insurance
The best pet insurance. I did a lot of research and so happy I chose them. Great customer service whenever I call. It's easy to upload claims and get responses quickly. From start to finish, I got my claim processed and money in my account in two weeks. One hundred percent satisfied with the whole process.
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.