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.
I have only been member for 7 months…
I have only been member for 7 months and so far they do what they say. My puppy is 8 months old so I guess time will tell. I have recommended them to friends as I have had no issues with compensation.
Pet insurance review
Allows me to conduct my biz faster& easier to get better results from my insurance company from my pets medical services.
Great process!
My dog had been very sick and was diagnosed with pancreatitis. I simply submitted photos of my Vet bills and they were processed with in a couple of days. They emailed me with updates throughout this process. I'm currently awaiting my reimbursement for my coverage. It was so simple and quick.
Representatives were knowlegeable and…
Representatives were knowlegeable and communicated well how the process work. The reimbursement was quick meaning it was done in a reasonable time frame. Completing the claim is easy, meaning the app is user friendly. Very happy with whole process.
Fast coverage faster refunds love it…
Fast coverage faster refunds love it good choice.
I liked that the Wellness part active…
I liked that the Wellness part active the following day! Very easy to sign up & file & get your claim.
Very easy to file claims
Very easy to file claims. And they are complete completed and a reasonable amount of time.
I submitted my first claim and it was…
I submitted my first claim and it was completed by the end of the following day.
Spot insurance is awesome I'm going on…
Spot insurance is awesome I'm going on 3 years with them and filing claims is very easy not to mention that once it's been verified the funds are issued right away into my account have had no problems with Spot and I recommend them to anyone who has pets and looking for an awesome Insurance Company for their furry ones.My claims took less than a week to receive funds that qualify for payment.
Good company
This was my first time making a claim. putting in the all the information was easy, and hearing back from them took just a little time. I am expecting a check any day now! Very nice so far.
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.