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 Pet Insurance is absolutely the…
Spot Pet Insurance is absolutely the best! As being new to this insurance I didn’t know what to expect but it was above and beyond of my expectations Fast and easy to file claim and covered 90 percent which was deposited into my account within a week I highly recommend this insurance to everyone that has a pet!
They are very reliable
They are very reliable
Very quick and excellent service
Very quick and excellent service. I received my refund without any questions. The site is very easy to use.
I HIGHly recommend Spot insurance
I HIGHly recommend Spot insurance. Quick and EASY claim submissions and NO hassle reimbursements sent right to my bank.
Wowie
Wow, your processing time was good and I got paid almost the whole pet bill, if I did not have the deductible. I like the direct deposit aspect also.
Easy From Start To Reinbursement
My experience with SPOT has been A+. Everything from the staff that picks up the phone, uploading documents, vet notes and invoices was very easy and the turnaround time for processing a claim, and the reimbursement were pretty quick and effortless. I love the app as it keeps you updated with what’s happening with your claim. I’m very pleased with SPOT!
great
great thank you!
Brandy was a SUPER help!!!
Brandy was a SUPER help!!!! Restored my faith in the kindness of peoplle! She could give lessons on how to deal with senior citizens. Every generation has a different knowledge base. The younger generaation has a technology base. Seniors, like me (88 yrs old), have a much different knowledge base. I'll bet asking a youngster to do a treble crochet in the back loop, would leave them perplexed.
Easiest Thing Ever
Claim submission is easy, user friendly, and their submission review process is very quick! I have tried other pet insurance companies--none of them are as efficient, or give the most bang-for-your-buck!
Focus on what was important
Easy to submit my claim and fast reimbursement! I was very thankful to have Spot insurance so I could focus on what was important.
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?
- *10% group discount available on every pet. Not available in TN. Additional 10% multi-pet discount on all pets after the first. Discounts vary and are subject to change.
- 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.