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.
We have been with Spot for a couple of
We have been with Spot for a couple of years without needing reimbursement. The last few months Spot has been fair and paid out as expected and pretty promptly. So far, I am pleased with Spot.
Great Insurance
Processing claims is very easy and the reimbursement time is great. Nice to have a dependable insurance for my babies
Never had pet insurance before and…
Never had pet insurance before and listened to various people on how hard their experience was with the companies they used. Just submitted my first claim and no issues whatsoever. Very impressed with the ease of using Spot and will remain a customer.
I’m very happy with this pet insurance
I’m very happy with this pet insurance. Their customer service is responsive, helpful, and professional. Every time I’ve needed assistance, they’ve been great, and my claim was processed very quickly — I received payment within just four days. It gives me peace of mind knowing my pet is covered by a company that truly cares. Highly recommen
SPOT ON!!!!
We have always wanted the best for our Golden Retrievers. I did some research online for SPOT insurance and even though it had great reviews, I purchased it reluctantly because I did not know ANYONE with Spot pet insurance. I am so happy that I did! Our Golden had an emergency last month$$$$ and they came through during a very difficult time. The last thing anyone wants to worry about is "How am I going to pay for this?" We were refunded quickly and the claim process was so easy on the app . Their service was SPOT on !
Very prompt
Very prompt
Easy & Quick
Very easy to submit claims with quick response!
Great and refund
Great and refund
They were excellent in sending me my …
They were excellent in sending me my reimbursement in less than a week after my submission of my claim.
Great place for your pet insurance…
Great place for your pet insurance needs. App is great, response on questions awesome. Insurance payments prompt. Highly recommend!
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.