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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.
I highly recommend they have been very…
I highly recommend they have been very responsive and covered a lot of bills for my 3 furbabies (cats). Worth it!
Easy and quick claim process.
Easy and quick claim process.
Spot makes it really easy to submit…
Spot makes it really easy to submit expenses and get reimbursed. Getting things set up properly in the beginning of the coverage is important for a smooth process in the future.
When trouble comes Spot is there at 90% reimbursement
Spot ins at approx. 25.00/mo. Is well worth it! When trouble hits,accident or illness,they are there at 90% reimbursement. Claims are relatively quick, about 10 days, and comprehensive coverage for your bill at vet minus waste fees. Great to have when that 1500- 5000 bill hits you at the vet. You may pay 2 or 5 years but eventually they will have your back when your confronted with that huge bill. They covered two claims for the same illness over 2 months totaling about 2300.00 and prescription food from chewy.com. Don't make the mistake of going it yourself! Spot is best at kitten or puppy stage due to not covering pre existing conditions. If you pet has a clean record at vet you can hop on too with 100% coverages. They check vet records so don't think you can sneak your pet with a chronic condition in. Great company,highly recommend!!!
You had different policies to fit our…
You had different policies to fit our pet needs and was easy to reach to you.
I have submitted 2 different claims
I have submitted 2 different claims for one of my cats and the claims were handled in a timely manor and my refund was as stated.
They are very professional
They are very professional, very easy to make my claim.
Spot insurance was there for my boy…
Spot insurance was there for my boy with his much needed surgery. Couldn’t have done it without them.
They have your back!
My Pup is seriously ill. With all the emotions attached to her care. It's nice having an insurance company as Spot. All I had to do was submit a couple items and they handled the rest. The experience was hassle free and the processing was quick. I will definitely continue to use Spot as my pet insurance company.
Fast ,easy and very helpful on the phone
Fast ,easy and very helpful on the phone
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.