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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.
Ease in submitting my claim and rapid…
Ease in submitting my claim and rapid response from you. I’m looking forward to the reimbursement in a few days
Easy to file online
Easy to file online, rapid review and payment.
Spot has made this process simple
Spot has made this process simple
SPOT insurance responded to our claim…
SPOT insurance responded to our claim with Duncan in reasonable time.You always hope that your pet is safe, but that is not always the case. Knowing we had this insurance gave us some relief.
Very Supportive and Fast
Previously I had Many Pets Insurance, and they did not pay me anything and raised my rates. Yoda has fallen pretty seriously ill recently, and Spot has paid our claims fast with no hassle.
So impressed
These past few weeks with Dexter being injured have been so difficult and of course vet bills do not make it any better. So grateful for Spot and making claim submission so easy and fast
Excellent Help During Kitty Cancer Treatment
I have never had to submit claims until this year, when what we thought was swelling from a toenail injury turned out to be a malignant tumor in my kitty’s paw. I was nervous about having to file claims but Spot has made the process pain free and is helping me to make sure that my kitty receives the best treatment so that he can have the best quality of life moving forward. I am grateful for the help!
No Hassle Claim.
No hassle claim. Quick response and payment on a significant surgery bill for my dog. 8 Day turn around between claim and payment.
It was super easy to submit a claim
It was super easy to submit a claim. Thank you, Spot Pet Insurance!
easy to make a claim and quick payments…
easy to make a claim and quick payments for the claims
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.