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.
The Spot Pet Insurance Web page made it…
The Spot Pet Insurance Web page made it very easy to file our claim and submit the necessary documentation. We could monitor the progress of our claim and their telephone support was very helpful. Great service!
Easy sign up
Easy sign up. Clear instructions to file a claim. Quick response
Very helpful and nice
Very helpful and nice
My dog Ellie had gum disease and had…
My dog Ellie had gum disease and had teeth pulled. Spot did cover as to what I signed up for and was easy to process.
I'm a retired senior citizen and live…
I'm a retired senior citizen and live in a fixed income. I researched different pet insurance companies and Spot was the one I chose. I could pick my deductible, my Co pay, my limit. I have a 5 month miniature Schnauzer and wanted some type of coverage. I made a claim for a vaccine, they approved it that same day and the money showed up in my bank account on 2 days. I did most of this over the phone as I'm not computer savvy. Thank you Spot!!
Great Pet Insurance, I recommend to other Pet Owners!
My dog, Lucas, had Spot Pet Insurance from about 8 years old to when he passed away at 11 years old. He needed a lot of medical treatment at the end and SPOT came through with the full payment the policy offered to me. No issues with the claim and they did what was right. Lucas had a 90% reimbursement, $1k deductible, Unlimited Limit, Accident & Illness plan and I was very happy with the process. My other dog Leia also has a Spot policy and I wouldn't use anyone else. Thanks!!
One of the best pet insurance companies!
One of the best pet insurance companies!
Awesome and EZ
Awesome and EZ
Very easy to send claims in
Very easy to send claims in
A great Pet Insurance company
Easy to complete Claim Forms. Great website. Claims paid!
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.