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 so far has lived up…
Spot pet insurance so far has lived up to my expectations and have responded quickly to my claims.
They took about 10 days to process the…
They took about 10 days to process the claim but they reimbursed me the 90% as expected. I was easy to submit the claim via the app. My overall experience was great.
They are the best so glad I chose spot…
They are the best so glad I chose spot for my pet insurance I recommend them always
A puppy life saver
A puppy life saver
Excellent service
Excellent service
The claim was easy
The claim was easy. I was expecting a bit if a hassle because of the claim amount but there wasn't one. I made sure to submit all the required documents up front when initiating the claim and in two weeks my claim was processed and approved without a problem.
Quick and reliable
Quick and reliable
Great service
Great service. Fast. Excellent refunds
Thank God for Spot Pet Ins
Diesel my 7 year old Chihuahua became quite ill on Friday May 29th. He stopped eating and drinking. That night he began scream-crying due to horrific pain. Sat morning he couldn't lift his head. I thought he was dying. I took him to an Emergency Animal hospital. X-ray showed a small square object in his stomach. Once surgically removed, the vet noticed irritation on his intestine. She opened to find a foreign object blocking any bowel movement. My vet bill was $4213.61. Submitted a claim on June 1 and received payment on June 11. After deductible, Spot Pet covered 80%. My cost: $1242.72. Thank God for Spot Pet insurance. Thank you! Thank you!
So happy I chose Spot!
I have no complaints at all about Spot pet insurance! I've had dogs for most of my life and this is the first time I have bought pet insurance. I'm so glad that I chose Spot and we couldn't be more pleased with their service! The claim process is simple and completed in a very timely manner.
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.