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.
First time for emergency claim two days…
First time for emergency claim two days before Christmas. Online submission process was easy and everything went well. No hassles.
Always speedy and accurate claims…
Always speedy and accurate claims processing. Very pleased with the service received so far.
First claim went very smoothly
First claim went very smoothly. Thank you
Covered Most of an ER Vet Visit
I’ve had Spot Insurance for my two rescue dogs for some time and this was the first time I’ve needed to use it. The process was fairly straightforward and easy. As long as my rates aren’t jacked up (or worse, I’m dropped) now that I’ve made a claim, I’d rate the service as excellent.
Easy way to place a claim
Easy way to place a claim and prompt response made the whole process less stressful when dealing with our sick pup.
I’m thrilled with my insurance coverage…
I’m thrilled with my insurance coverage for Molly. I always get something, which makes me so happy
I am very happy I chose SPOT insurance…
I am very happy I chose SPOT insurance for my beloved dog. I had my first experience submitting a claim. It was a great experience. As expected, I needed to submit the receipts for the veterinary treatment provided. Once I did not, within a couple of days SPOT deposited the money owed to me in my bank account. Happy customer!
Spot has been wonderful and timely
Spot has been great, fast and speedy with reimbursements. They have been amazing also with estimates in billing as well.
Paid quickly!
Very quick response and the AP is super easy to use! I got my bill paid and couldn't be happier. It's nice to have Spot in case of an emergency.
I’m glad my pets have Spot Insurance…
I’m glad my pets have Spot Insurance when talking to customer service she was very concerned about my pets and wished Christina speedy recovery. Answered all my questions I am completely satisfied!!
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.