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.
Friendly user app and the service is…
Friendly user app and the service is very quick. So glad I switched from AKC. Way better options for insurance.
Easy to file claim.
Easy to file claim.
Easy and Quick
The process to submit for reimbursement is easy and it was processed quickly. Very happy with this insurance for my pup.
LOVE this Pet Insurance Company
I've used quite a few dog insurance companies in the past. This pet insurane co is fantastic ! Easy website, easy to file claims and super dooper fast payments. I've recommended them to my friends and family.
Very easy claims process
Claims are easy to turn in. Claims are processed in a reasonable time span. Very easy to receive payment. I love SPOT pet insurance. This is the first time having pet insurance and so glad I found SPOT!!
First claim experience was wonderful
I’ve recently had my first claim and Spot has been super easy to file, claims are paid quickly once the receive the required documentation. When I picked up the phone to call, I did not wait on hold for long and the person I spoke to was very kind and professional.
I’ve had a great experience with Spot…
I’ve had a great experience with Spot Pet Insurance. The reimbursement process is quick, and filing claims through the app is easy and convenient. I also appreciate that the payment is reasonable for the coverage. Overall, Spot has made dealing with vet expenses much less stressful. Highly recommend!
Quick and easy
I was so relieved about the process of filing a claim. So easy! I had a question and I called SPOT and they were so helpful. I received my reimbursement within 3 business days right to my bank account.
Easy to sign up and get reimbursed!
Easy to sign up and get reimbursed!
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.