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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.
Great company!
Ease of submitting the claims and promptness of the reimbursement made this a great experience.
They review and press quickly
They review and press quickly
They are very easy to submit bill and quick turnaround
Very quick turnaround and easy to submit bill.
I think it’s wonderful that when you…
I think it’s wonderful that when you take your dog in you do get money back for getting shots and everything. I think that’s so great cause no insurance don’t do that and they’re so expensive. You guys are a lot better. And when you talk to somebody on the phone, you have any questions, they explain everything really good for you.
Excellent Customer Support with superior coverage.
The Spot Insurance website is very easy to navigate as well as file a claim. Should you have any questions and/or concerns, help is immediately available. Excellent updates are provided with regard to your claims filed allowing you to know the status of your claim. Payment of claims are provided very quickly and directly to your bank account. Excellent company and Customer Support.🐾
I love how fast and easy claims are
I love how fast and easy claims are
Easy and fast procedure
Easy and fast procedure
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.
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.