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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.
Has worked like a dream
Has worked like a dream. So glad I have that worry not nagging me when I have to take my pup to the vet for anything even just for her annual shots! Finally, a website doesn’t try to mess you up. It’s true!!
Quick,easy,worth the money
I did a lot of research before signing up to Spot Pet Insurance. I never had pet Insurance but after spending $8,000 on treatment for my previous dog for hospice care. When I found my new dog I knew I wanted Insurance. I am so happy I chose Spot. So far my goldendoodle has had to go to vet 3 times. And putting in the claims is quick and easy. Was reimbursement around 8 days. No questions asked. App is simple and money is direct deposit in your bank. Recommend to all.
Every dog parent sure had it
I send my puppy Brianna receipt to them, and the day they email me, and explain everything to me
I had to submit 3 separate claims for 2…
I had to submit 3 separate claims for 2 visit because of the way the clinic billed. I thought this might cause a problem but the claims were settled correctly and quickly.
Easy and simple process
Easy and simple process. Helps when dealing with the stress of having a sick puppy.
So far Spot Pet Insurance has been…
So far Spot Pet Insurance has been awesome. Took Boogie for a wellness visit where he got his shots including his rabies. They did a test for Lymes.. The best part I got reimbursed and it only took a couple days. So glad I got it!
This is the best insurance for your…
This is the best insurance for your pet!!!
Easy to use…
This app was easy to use and provided enough space to explain medical issues asking to be covered. Their response to my receipt was timely, and the claim processing was, too. I would recommend this pet insurance.
Very helpful representatives to help with submitting your claims
I had a representative that helped me step-by-step to file my claim and she was very nice and very patient with me and told me exactly what to do and what to mark on my claim and then gave me my number so I could submit my records
Spot Insurance surprised me!
Spot Insurance surprised me!! I filled out the claim on my phone. Attached the Vet bills and watched the app for the progress. I got notified when the payment would be processed to my bank. I wish my insurance was that easy. Thank you Spot!!
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.