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.
Very quick turn around
Very quick turn around - claim approved and am expecting my check in the mail.
Remove financial stress 😩
I've had an extremely hard time with my cat's health in January...Spot covered all his bills in a reliable way that saved me what could have been enormous financial stress. I will remain a Spot customer for every future pet. I'm extremely greatful.
Great Service!
Submitting a claim is super easy!
It only took me a few minutes to upload…
It only took me a few minutes to upload my vet invoices and they were quickly accepted and reviewed. The claim money was deposited into my bank account via direct deposit in a few weeks.
Good experience
I have used my insurance very sporadically, my experience has been positive. It takes them 3-4 days to process the claim. Money is deposited directly to the account. Works like a charm.
Claims were processed and paid quickly…
Claims were processed and paid quickly and deposited right to my account.
Easy to sign up pets
the whole experience of signing up our dogs for coverage has been very easy, affordable and submitting claims is really easy too.
So easy to work with
So easy to work with. Refunds came timely and without any hassle.
Thank you for helping Mia
This New Years was the worst i ever had because i Had to take little Mia to the emergency and learned thAt she had Glaucoma. i was terrified. i dont know what i would have done without Spot. They addressed my concerns and were very helpful in resolving my claim.
Easy to submit claim
Easy to submit claim. Fairly fast processing and turnaround. Good explanation of benefits
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.