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.
Spot made it very easy to submit a claim
Spot made it very easy to submit a claim and they respond right away, with settlement and reimbursement in about a week! Such a relief they covered the emergency vet expenses less deductible at 90%! Very happy with their service & highly recommend!
This was my first claim and I was so…
This was my first claim and I was so impressed by the speed with which you approved it! Excellent service!
I took my puppy Payton for a wellness…
I took my puppy Payton for a wellness exam plus 2 vaccines which cost me 142.50 which paid then I submitted my invoice and got 125.00 back. I love this insurance!! they gave me 90% back !!
The personable touch your team provides…
The personable touch your team provides every time I talk With them .
My experience was great
My experience was great! The application process was easy and quick. The claims process was the same. I highly recommend this pet insurance.
They are very responsive and I…
They are very responsive and I appreciate that.
Processing
Processing, completion of claim. The reimbursement was fast and accurate. Thank you for providing such great insurance for our pets.
Quick processing of our claims
Quick processing of our claims
Turnaround time was fast
Great compant highly recomend
Great Customer Service
Your customer service person was very friendly and funny and knowledgeable. I called because I added a new kitten to my family. I have yet to make a claim, so can't comment on that.
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.