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.
Excellent company
Responses to any questions or comments are immediate. The website is fairly easy to use.
Reimbursements are real!
I submitted my vet bills and within 10 days or so I got an update on my account balances. Once deductible was met, I began getting reimbursements directly deposited! I never had pet insurance before, but im so glad I got this insurance for my dog now that he needs surgery.
Really helpful and prompt
Really helpful and prompt
Spot got the payment for my dog's…
Spot got the payment for my dog's emergency three weeks after the incident. He was bitten by a copperhead and wouldn't have survived without antivenom and several other drugs. I am very happy with their service.
Easy to submit and fast repayment
Easy to submit and fast repayment
Best pet insurance
This is my first time having pet insurance and so happy that I have spot. They make it so easy and its affordable!
Claim was easy and processed quickly
Claim was easy and processed quickly. A truly no-hassle experience.
Snoopy - 14 year old Shit Tzu
Snoopy was a 14 year old Shit Tzu, the star of our family. Suddenly, his hind legs wouldn't support him and he was rushed to Urgent Care and they recommended that he had to go to Emergency Care and get a Spinal Decompression Surgery. Also, this moved so fast that in a couple of days, his surgery was complete he was on his way to recovery. That was the first time I informed Spot Pet Insurance about this issue and submitted claims. All claims were reviewed and promptly approved. This has been a wonderful experience with Spot Insurance even though we couldn't even give them a heads-up of this major issue. Thank you for standing up for Snoopy even though he was a 14 year old. Unfortunately, Snoopy made good recovery for a couple of weeks after surgery, even got his stiches off but developed other complications with Pancreas and Liver and he passed away peacefully today. We wish Spot Insurance the very best and thank you for being there for Snoopy until the very end.
Smooth & Efficient Service
I've been using SPOT for about 4 years now. It's very easy to submit a claim with documentation and claims are always processed efficiently and fairly. Payments go straight to my bank account. I love how smooth the whole process is and would recommend SPOT to anyone.
Everything is easy
Everything is easy. From signing up to filing claims. Quick responses to all as well.
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.