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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.
Very easy website to navigate and…
Very easy website to navigate and review policies and claims.
I submitted my claim and it was…
I submitted my claim and it was reimbursed within a few weeks. Very smooth proces
Policy & Claims
The policy itself provides peace of mind, allowing to choose the best treatment for your pet without worrying about the bull. Submitting claims and receiving payouts are a breeze. No back and forth and hassling.
Large Claims came through in 2 weeks!
Been with them for 3 years and haven’t had any problems/claims with my dog. He then had severe GI issues, spent a day in the hospital and multiple vet visits and medicine. It was great knowing that 80% of the cost was going to be taken care of and focusing on getting my dog healthy.
Reimbursement was quick and simplified
Reimbursement was quick and simplified
I had a big emergency with my girl
I had a big emergency with my girl, and spot really helped with the financial burden. I don’t regret having them as my insurance, highly recommend!
Spot is great!
Spot pet insurance has been great! East to submit claims. Fast reimbursement. Great customer service. Also love the app! Very user friendly. Thank you Spot!
The first time we used the insurance…
The first time we used the insurance for Spirit, we received excellent help in complaining the required form and were provided with a refund even though the form had multiple vet invoices.
No Nonsense!
We submitted our claim and it was a no nononsense process for the approval. They did not hassle or argue anything which was the last thing we needed after having a pretty big surgery on our boy. Thank you Spot for making it so easy and stress free to get our refund.
Quick response
Quick response
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.