America's Favorite Pet Insurance
Special Offer for Logic20/20 Employees
Up to a 20% Discount||
||10% group discount on every pet. Not available in TN or WA. 10% multi-pet discount applied for all additional pets added. 5% in WA on each pet. Discounts vary and are subject to change.
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.
Claim process was easy and the refund…
Claim process was easy and the refund was deposited with no additional information needed.
They paid on time and as advertised.
They paid on time and as advertised. A good experience.
Easy claims, good service
Easy to navigate the website and make claims. Spot reached out to the vet for the additional information needed for the claim. Reimbursements fast and accurate.
Paid claims quickly
Paid claims quickly
Everything with Spot Pet Insurance
Everything with Spot Pet Insurance works smoothly. Starting with the Claim Form. communication to payment. Adding peace of mind. My daughter highly recommended Spot. I’m so happy I listened to her.
Spot was SO easy to work with and we…
Spot was SO easy to work with and we got our money fast. Thank you so much, I will continue to use your services
In the midst of dealing with a sick and…
In the midst of dealing with a sick and very cherished pet, spot pet insurance was the easiest part of the situation. Filing a claim was easy and in 10 days had my reimbursement in my account. No phone calls, emails and fighting back and forth like I had with former pet insurance company. I am so grateful for how easy this was and how quickly the turn around time was.
Excellent service filing a claim
I submitted a claim for my cat Addison and it was approved and paid in no time. Excellent customer service. I have 4 pets enrolled and will enroll an additional cat.
Super easy claim process and quick…
Super easy claim process and quick reimbursement check.
I started out a skeptic thinking this…
I started out a skeptic thinking this is just another scam to take money but was surprised when after sending in my info I got a big check back Thanks Spot it really helps!
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?
- 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.