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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.
They are fast, reliable and reimburse claims
They are fast, friendly and actually reimburse for legitimate vet costs, unlike corrupt companies like Metlife Pet Insurance. Spot also offers a convenient way to file claims online or via email. Their monthly premium is excellent. The only Improvement I can think of. Is for Spot to insure rabbits as well. I highly recommend Spot Pet Insurance to all other dog owners.
It was relatively easily to submit the…
It was relatively easily to submit the claim, and it was processed in a very reasonable period of time.
First time I sent in a claim and it was…
First time I sent in a claim and it was so easy and you responded, paid immediately! Thank you
prompt refund
Great customer services. Easy to file claim.
Accuracy....completion of claim in a…
Accuracy....completion of claim in a timely manner....ease of filing a claim
Great Service Just recommended SPOT to a person in…
Just recommended SPOT to a person in the pet store. Great, quick service and easy app to follow. Our refund was handled in a timely fashion.
I’m so grateful be back with spot there…
I’m so grateful be back with spot there customer service excellence I have no problems with staff specially Ty to Niki
Great user friendly website for claims
I pay monthly, but I've already gotten back a lot of my monthly fees due to my dog having liver enzyme issues.
Ease of enrollment
Ease of enrollment. Had SPOT prior to this it was a fantastic experience. Would highly recommend this insurance.
My dog was recently diagnosed with…
My dog was recently diagnosed with glaucoma at the early age of 4.5 years old. Spot has made it super easy to submit claims and get reimbursed!
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.