America's Favorite Pet Insurance
Special Offer for MCS Group Employees
Up to a 20% Discount||
||10% group discount on every pet. Not available in CA, TN or WA. Additional 10% multi-pet discount on 2nd+ pets. 5% in CA and 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.
Great Service
So far Spot Insurance has provided me with great service and reimbursement as described.
Prompt payment of my claim
Prompt payment of my claim
Spot was quick to pay our claims
Spot was quick to pay our claims. We were very satisfied.
Ease of use!
Ease of use!
Easy Claim Service.
Easy Claim Service.
First time using my insurance
First time using my insurance. Was easy and quick reimbursement.
Quick turnaround and no hesitation in…
Quick turnaround and no hesitation in paying claim
Excellent service
Excellent service. Reimbursement & filing of claims were seamless & outstanding. I will definitely will recommend this insurance and will get all our pets insured through them. They have also an impressive customer service too.
I am very happy with Spot pet…
I am very happy with Spot pet insurance, and so is Rocky. His recent injury is a very stressful time in our lives. At least processing the claims has not added to the stress. Thanks!
Claim processing was quick and without…
Claim processing was quick and without any hassle or follow-ups
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.