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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.
I got reimbursed very quickly and it…
I got reimbursed very quickly and it was easy to do.
We love our Spot insurance
We love our Spot insurance! Our 8 month old puppy recently went missing and returned to us injured four days later. This was such a difficult time for us, but we were so reassured that the process of entering a claim and receiving a refund was so simple. It made this difficult experience just a little easier to handle. Plus, afterwards, we saw that Spot offers a discount for a GPS collar through Fi, which is the first thing we purchased after her runaway adventures. Highly recommend!
Our dog had ACL surgery and we were…
Our dog had ACL surgery and we were reimbursed 80% of the claim in about a week after her surgery. Very happy with the quick turnaround.
I love the ease of the app and how fast…
I love the ease of the app and how fast they processed my claim! The previous insurance I had was not very good so I was skeptical on continuing getting insurance for my pup but Spot completely changed that for me! I would def recommend to everyone!
Claim,refund quick process
Well there on top of handling claims properly my cat was sick n had to go to the emergency room a few times but in the end Spot covered my bills and got a payment back pretty quick.
I have put in two claims over the…
I have put in two claims over the course of the past year and a half and both were handled professionally and in a timely manner. I also like how easy it is to put in a claim. My refunds were received in a timely manner.
Great company
Great company, pricing for coverage is fair and they always process claims so quickly.
I think its a very simple procedure to…
I think its a very simple procedure to file a claim, once you know what you need to submit. Spot is simple, fast and reimburses without any problems. Im so glad we got it for our Frenchie!
Fast and fair processing of the claims
The entire process of submission was easy. The claim was settled in less than a week and reimbursement was issued to the same account as premium payment. It really can’t be easier. Very satisfied.
I’ve had a great experience with Spot…
I’ve had a great experience with Spot Pet Insurance and definitely recommend it. The claim submission process is simple and easy to use, which makes everything much less stressful when your pet needs care. Processing time has been reasonable, and I’ve been satisfied with how smoothly everything was handled. Overall, it’s been reliable, convenient, and gives peace of mind knowing my cat is covered.
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.