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.
Covers claims quickly
I have used another very well-known pet insurance provider and it was a complete nightmare!! I really appreciate that Spot covered my claim quickly and without a lot of 'red tape.' I have already recommended you to my friends and family and will continue doing so!
Claim process was so easy
Claim process was so easy. Whenever I need to call with any question’s, they always want to know how my little fur baby is doing. And they are always so patient and professional.
Simple and reasonable
I really have loved having Spot pet insurance. Our little pup sometimes gets into things and we need to take her to urgent care. The process of submitting a claim and getting the money back has been pretty easy and always gets done in a timely manner!
Sent in the claim while I was waiting…
Sent in the claim while I was waiting for my injured dog at the ER. Could get it done once I received my bill. Once approved, the reimbursement will be sent to my back account. Very convenient
Prompt payment and easy claim filing.
Prompt payment and easy claim filing.
Trustworthy They paid exactly like they are…
They paid exactly like they are supposed to after my dog had to have ACL surgery. No problems with claims.
Submitting a claim is straightforward
Submitting a claim is straightforward
Great experience all around!
Great experience all around!
Easy to work with
Easy to work with. Helpful staff when calling for info.
I had a wonderful experience with Spot…
I had a wonderful experience with Spot Pet! They made the experience of getting care for my pet much less stressful because I knew I was covered ahead of time. I really appreciated their friendly customer service team and quick response time.
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.