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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.
Received my reimbursement in a very…
Received my reimbursement in a very timely manner. It was also very easy to submit my claim on line
No claims issues
I've received prompt action on every claim I've sent in. I'm very happy with this insurance for my kitty.
100% recommend
100% recommend! Having Spot insurance made life less stressful when we were faced with exploratory surgery in what turned out to be ingestion of a foreign body for our dog, Tucker. It took a couple of weeks for our first claim to be processed. They were quick to answer questions and concerns.
Ease of submitting the claim
Ease of submitting the claim, I was kept informed of the progress of the claim, and the payment/refund was very prompt.
Great claim processing speed
So far very happy I switched from Nationwide, very smooth process for claims submission and direct deposit updates!
WOW. Great fast payment
Very quick and efficient!!Got paid within a couple days!!
Very reliable
Very reliable, and fast reimbursement.
Great always reimbursed claims without…
Great always reimbursed claims without difficulty
Submitted a claim for our puppy
Submitted a claim for our puppy. It was promptly processed. Payment was received in a few days. Very well performed to my complete satisfaction. Thank you.
The claim processing is easy and time…
The claim processing is easy and time effective.
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.