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.
Very easy to submit invoices for…
Very easy to submit invoices for reimbursement
The coverage is cost effective
The coverage is cost effective. Submission of claims is easy. Great customer service.
Spot Pet response time.
The response time was indeed timely and appreciated
Reasonable and fair.
Reasonable and fair.
I purchased pet insurance for my dog…
I purchased pet insurance for my dog and cat from Spot one year ago.. I had never had pet insurance before, but with the expense of veterinary care I decided to protect myself and my animals with pet insurance from spot… I could not be happier or more appreciative with them. Both of my animals had unexpected medical issues and.Spot took care of my claims very quickly and paid everything directly to my bank account without question.. I am so thankful for Spot.
The experience with Spot was great
The experience with Spot was great ! The process was very smooth and easy to follow. Send your itemized invoices and you’re good to go .
Had to file our first claim the other…
Had to file our first claim the other day on our little girl Calypso and so glad we had Spot Pet Insurance. She got bit by a rattlesnake and having the insurance definitely helped. So glad we invested in our pet’s health.
Wonderful onboarding for additional pet…
Wonderful onboarding for additional pet !
So far a good experience with the…
So far a good experience with the company they have responded. Kept me up-to-date. Have paid the bills back.
Easy and friendly process
I’ve been a customer of Spot Pet for about a year now. Recently, our furry companion has been experiencing stomach issues and required urgent veterinary care. When we submitted the claim, the insurance company took approximately 2-3 weeks to review it and refund a portion of the bill. The process was incredibly convenient and user-friendly, thanks to the app.
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.