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.
All I can say is Thank you
All I can say is Thank you! My pup had to have emergency surgery and the numbers on that bill were not pretty. Knowing that I had pet insurance was reassuring that I didn't have to choose between a financial hardship, and saving my friend. This was the first time using the insurance so I could only pray it went smoothly. To my suprise the claim process was so simple and easy and they reimbursed me within a few days. Thank you Spot Pet!
Love VEG
VEG has been so good to my dog and has always cared for him. They've always been so patient and caring for him. I also love that they have a waiting space and take time to make sure everything is okay. I always feel comfortable when I leave that he's had a thorough exam and is safe to come home.
Easy claims
I had my rescue doggies annual appointment & it was a little pricey but since I've been paying for Spot for her I submitted the claim & got a response really quick. I appreciate that they will do what they say & reimburse you as much as they can.
easy and quick claims made and paid
easy and quick claims made and paid. worth it.
Quick response- with a great…
Quick response- with a great reimbursement and explanation of the benefits
Service was excellent
Service was excellent, claims were handled quickly.
They are gracious when I have questions…
They are gracious when I have questions or concerns, quick with processing the claims and payments for my pet. So glad I chose Spot Pet Insurance!
Very easy to get in touch with a…
Very easy to get in touch with a representative
Smooth, easy, and definitely financially helpful
It went smoothly. I submitted everything I knew, waited, and got my refund for all covered expenses about a week and a half later. That's exactly what you want from a pet insurance provider!
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.