America's Favorite Pet Insurance
Special Offer for BAYADA Employees
Up to a 25% Discount||
||Includes up to 15% large group discount plus up to 10% multi-pet discount on 2nd+ pets. Discounts vary by state and are subject to change. Not available in all states.
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.
Good customer service
Good customer service. And spot actually pays claims instead of arguing everything to get out of them! Honest company
Worth the value
Filing a claim was very easy and the review and response time were incredibly fast. They communicated and made sure I knew what was happening with my claim every step of the way. The little bit extra I pay for wellness care is absolutely worth it for my pup.
Quick claims review
Quick claims review
Easy to work with
Easy to work with. Claims are processed in a timely manner. When my pet died they responded with a lot of empathy.
They processed my claim in a very quick…
They processed my claim in a very quick and efficient manner.
everything has went well so far
everything has went well so far
I have put in 2 claims so far
I have put in 2 claims so far. It seems they are pretty responsive and once the claim is approved, i got my refund quickly.
I had a very good claims experience…
I had a very good claims experience with 2 claims for surgery for my dog. Filing the claims was easy, and they were handled with no issues. I got the benefit paid by direct deposit in plenty of time to pay my credit card bill for the procedure.
Wonderful experience!
I wish there was a way to add additional files on a claim. Other than that, very satisfied/impressed with how smoothly things went. I've been pn other pet insurance with a pet years ago and they did everything they could to disqualify the pet for coverage when a claim was submitted. Found Spot through a friend who is equally impressed with the cooperation by your company. Thank you!
I was surprised at how quickly the…
I was surprised at how quickly the reimbursement process was > One upload and a week later it was in my bank account !
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.