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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.
They made it simple to submit a claim…
They made it simple to submit a claim for my dog.
Very easy process
Very easy process. My WIFE'S cat Louise was injured after being chase under a metal fence. This really helped with the vet bill. Thank you
Extremely nice agent
I filed a claim, and 50% was paid very quickly. The agent I spoke to on the phone was extremely nice, but I accidentally gave him a low grade on the post-call survey. I meant to give him a 5 but gave him a 1.
Claims were paid and it didn’t take too…
Claims were paid and it didn’t take too long. Direct deposit was also nice.
Refunds come quick and they dont raise…
Refunds come quick and they dont raise your rates astronomically even if your pup has the misfortune of being diagnosed with a congenital disease. So grateful for Spot!!
Wonderful company
Wonderful company. Very friendly and helpful customer service. Covered my cats expenses. Big relief. It was very expensive bill. Wow, a company who does what they say will do.
Great Pet Insurance
Thank goodness I finally got Pet Insurance and that I chose SPOT. My dog recenlty got very sick and needed ER visits and a lot of TLC from the Vets. It cost a lot of money, and without any question SPOT reimbursed me quickly. This is a great company.
I’ve had spot on my 3 dogs and it’s…
I’ve had spot on my 3 dogs and it’s helped me two times already. Back in 2024 my Stella crossed over the rainbow. This year in march my Rubie got sick. I called spot to put medical on my 3 girls and didn’t realise I already had the plan. I would recommend spot to many of my pet friends. Thank you
Easy
No hassle, great communication
Relatively timely claim approval
I've had Spot for two years for my four-year-old dog. During this time, I submitted three claims for three separate incidences/illnesses, and all three were approved in about 2 weeks. The funds were reimbursed soon thereafter. I am glad I signed up for Spot while she was young and did not have any pre-existing conditions.
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.