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.
Spot pet insurance is a compassionate…
Spot pet insurance is a compassionate company. When my puppy was killed in June getting loose from me and running to a pickup truck driving down the street, they paid for at least half of her expenses getting cremated. Archer Veterinary Clinic in Lemont Illinois didn’t charge for the X-ray and gave us many items and locks of hair in special key chains.
After a very expensive emergency with…
After a very expensive emergency with my cat 2 years ago, I made the decision to purchase pet insurance. I was skeptical that a claim would be paid, but I after extensive research, I took a chance with Spot. Wow, am I glad that I did. I had an emergency with one of my cats that required emergency surgery- expensive surgery. This was my first claim, and I was nervous- the moment of truth. I uploaded my documents, Spot secured medical records, and within 2 weeks the claim was processed and paid exactly as it should have been according to the plan that I purchased. This experience confirmed that I made the absolute right decision in choosing Spot to cover my 2 precious cats- they saved Punkins life.
It was easy and painless.
It was easy and painless.
Easy to use the website
Easy to use the website, esp to make a claim. Responsive. Honest.
Easy to follow instructions to file a…
Easy to follow instructions to file a claim. Quick processing and received my check in a timely manner.
New customer
New customer. Painless claim process done on line.
My first claim for my puppy was so…
My first claim for my puppy was so easy! After submitting my claim, I received my reimbursement right away. I’m very happy with how quick and simple the process was! 🐶❤️
Lo mas importante es que se tomen el…
Lo mas importante es que se tomen el tiempo para explicarte el tema por el cual te comunicas con tu aseguranza!!
New to having a dog
As I’m new to having a dog, I was unsure about whether to get pet insurance. Spot provided clear options when I was making my decision. Since selecting a policy, my claims have been very easy to submit and they have been processed very quickly. I couldn’t be more pleased and I feel good knowing I can get my puppy the care he needs.
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.