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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.
Spot has been wonderful and timely
Spot has been great, fast and speedy with reimbursements. They have been amazing also with estimates in billing as well.
Paid quickly!
Very quick response and the AP is super easy to use! I got my bill paid and couldn't be happier. It's nice to have Spot in case of an emergency.
I’m glad my pets have Spot Insurance…
I’m glad my pets have Spot Insurance when talking to customer service she was very concerned about my pets and wished Christina speedy recovery. Answered all my questions I am completely satisfied!!
Spot is the best
After owning several dogs and never having insurance, we decided that we would get it with our new mini dachshund seeing as we paid $$$ for our last ones ivdd back surgery. Spot is one of the few if not only insurance that covers genetic disorders. Thankfully we got insurance bc at 1.5 years old our Piper has gotten into more trouble than all my other dogs combined. Spot has given us the biggest peace of mind. We will never not have insurance, we will never not have spot.
Very prompt in processing your claims!!
Very prompt in processing your claims!!
Claims process is easy and efficient
Claims process is easy and efficient. Processing is fast and fair.
Painless & Simple
Unfortunately, we had to use our pet insurance, but Spot has made it painless and simple.
Very happy fast and good service.
Very happy fast and good service.
Good service
Good service, fast decisions, you can email and get a return response with a quick turnaround time.
We love Spot Pet Insurance!
I truly cannot believe how easy it was to work with Spot Pet Insurance. They make it extremely easy to make claims and have a quick turnaround time.
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.