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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.
Good insurance company that's fast to process claims
Spot Pet Insurance has decent rates and is quick to process my claims and provide payout once I've met the deductible. I appreciate that they have an option to cover everything--including regular routine visits--so they can also be applied to the deductible. I'm glad to know my pets are covered.
Easy to file claim online
Easy to file claim online. Quick processing of refund from Spot
First time using Spot
First time using Spot, and I'm pleased by the response. Filing online was easy, and form upload was very straightforward. The claim took 2-3 weeks to process, and I received email notification that the claim had been approved and that a check was in the mail. (Yes, a real, paper check.) After paying the deductible, my cat's ER visit was less than $200. Here's hoping I won't need it again, but cats ARE cats.
Stress Reliever
The insurance is made to do exactly what is meant. Having this insurance really helped when Dior unexpectedly got sick. I'm so glad I purchased it because it allowed me to not feel stress over getting her the help she needs.
It was very easy and convenient to…
It was very easy and convenient to submit a claim. I was kept informed while my claim was being processed. My claim and refund was processed in a timely manner.
Spot is a reliable pet insurance…
Spot is a reliable pet insurance company. My pet had a serious illness and was taken to a veterinary hospital, where the bill totaled $2,000. I filed a claim online the next day. Within two weeks, I was reimbursed for the expenses, minus a $250 deductible. I recommend Spot insurance.
I’ve never had an issue with spot pet…
I’ve never had an issue with spot pet insurance since I’ve had them
I had back-to-back problems with my…
I had back-to-back problems with my dog, they gave me zero problems and were great
A little slower than I thought with…
A little slower than I thought with processing but very satisfied
Ive use you guys and always been great with claims and getting a check without any hassle
Ive use you guys and always beengreat
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.