America's Favorite Pet Insurance
Special Offer for Belk Associates
Up to a 20% Discount||
||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.
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.
Everything in short time was paid
Everything in short time was paid. I’m more than satisfied and I’m happy I did choose SPOT as my dogs insurance. Only recommended.
Worth every penny!
Filing claims is easy and convenient and reimbursement is relatively swift. We are most pleased with the monthly cost for coverage in comparison to the amount we get reimbursed. The value is amazing. It has taken the stress out of decision-making when your pet is in need.
Excellent service
Excellent service! After and almost $3000 emergency, we received reimbursement within days. This is my first time ever using pet insurance and I am beyond thrilled with how everything was handled. We were reimbursed exactly as much as we had expected.
Great customer service
Speaking to a representative was very helpful. They answered all my questions, were patient and courteous. I have already recommended Spot Pet Insurance to friends.
So easy to sunmit claims and quick…
So easy to sunmit claims and quick response.
It was affordable with an Expensive new…
It was affordable with an Expensive new puppy and has paid out all claims submitted. Very happy with purchase
I submitted my claim and I got a very…
I submitted my claim and I got a very quick response as well as my claim processed very quickly Thank you !!
I would say it's worth it
I would say it's worth it. I pay about $20 a month for 2 cats. My cats can randomly have health problems. Before I really wouldn't want to bring them to the vet because it's so expensive, but of course I would for my pet. I recently had to bring one of them to be seen. The bill was high, but since now I met my deductible, the remaining bill will be refunded by 80%. I submitted the claim Monday morning, and it was approved Thursday, and I got my refund Friday morning. Super easy to submit the claim too.
The claim was processed in a timely…
The claim was processed in a timely manner.
Wonderful Experience and Speedy Claims…
Wonderful Experience and Speedy Claims management
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.