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.
Friendly staff thank you
Friendly staff thank you
Easy to submit claims
Easy to submit claims, and its processed quickly as well. :D
Great pet insurance
Great pet insurance good to have pays out well does help with your pets easy to send gets processed fast glad we have it.
The process of filing a claim for our pup was easy!
The process of filing a claim for our pup was smooth and easy. We found Spot Pet Insurance great to work with, and we received payment within two days by direct deposit.
I am so happy I have SPOT
I am so happy I made the decision to get insurance for my boy. I didn’t have pet insurance for my last dog and that was a BIG mistake! SPOT makes the process so easy! I am very pleased with the plan that I chose. Customer service is super helpful but I haven’t needed their help much! The app is very user friendly.
Wonderful Experience
I've had a wonderful experience with Spot. The app is incredibly easy to use, making it simple to submit claims and view my coverage anytime. The claims process has been straightforward, and I really appreciate how convenient everything is. I highly recommend Spot to anyone looking for reliable pet insurance with a user-friendly experience!
Submitting a claim was very easy and…
Submitting a claim was very easy and the process was clearly indicated on the Spot app.
smooth and timely service
smooth and timely service
They are so fast at working claims and…
They are so fast at working claims and paying the 80%. I have been recommending you to family and friends.
Super easy to submit claims
Super easy to submit claims, quick and clear processes
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.