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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.
Quick Response
The claims get processed immediately, easy to submi claims.
Dog needed surgery and the claim…
Dog needed surgery and the claim process was completed using the spot app and reimburse decision was made within 2 weeks
Very impressed with the claims process
Very impressed with the claims process. Upload to decision is fast - I’m very pleased.
Great Pet Insurance
Spot Pet Insurance has been very easy to work with when I need to file a claim. They get back to me right away and keep me advised of where they are in the process. It takes only a few days to get payment for my claim and they give me good feedback if a claim is not eligible.
SPOT is my first experience with pet insurance
This is my first time with pet insurance. I did my research and felt SPOT was the best choice for both coverage and ease in understanding the claims process. I feel I made the right choice! SPOT is quick to respond regarding submitted online claims, with easy to read and understand allowed procedures and deductible progress, and the option to have reimbursement deposited directly to my bank account. And in the one or two times a phone call was needed for clarification, customer reps have been both knowledgeable, empathetic, and helpful. I highly recommend SPOT. You won’t be disappointed. I’m definitely staying with them for both of my pets!
Fast claim.
Fast claim.
They paid out with no issues
They paid out with no issues. I sent all documentation and got it approved. I'm pleased with the company.
submittted my first claims and received…
submittted my first claims and received efficient, timely response
So thankful to be able to have…
So thankful to be able to have insurance for our hairy kids, such a peace of mind knowing that Spot has us covered.
The claim process was easy and…
The claim process was easy and communication was great. The payment came quickly. We are pleased with the insurance coverage and the customer service.
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.