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.
It's always so easy to submit claims.
It's always so easy to submit claims.
Pet owner's best friend
Really excellent insurance, which we carry on both dogs. In a perfect world, our dogs would be healthy forever and incur minimal vet bills, but the reality is, illness and injury happens, and bills can be exorbitant. Well worth the monthly charge. The website is easy to navigate, and customer service is quick and responsive.
Ellie review …
the person on the phone was very pleasant and nice to speak to
Love!
The response time and customer service are amazing.
We had the best insurance with Spot
We had the best insurance with Spot. If we come back from abroad we’ll renew with Spot for sure. Customer service TOP kind and knowledgeable
Fast and efficient processing of my…
Fast and efficient processing of my claim - Truly appreciated.
super easy process to submit/upload…
super easy process to submit/upload claims docs.
Effortless Pet Insurance
Effortless
Company that’s actually a pleasure to do business with…
Spot is a great company to deal with regarding my pets care. No one wants to have to take their pet to the vet for an illness, but when you do it’s comforting to see how effortless and easy filing a claim wuth spot can be. Will remember to tell my friends and neighbors how good it is to deal with this company.
Efficient
My claim was taken care of in a timely manner. The online questions were easy to answer and submit.
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?
- *10% group discount available on every pet. Not available in TN. Additional 10% multi-pet discount on all pets after the first. Discounts vary and are subject to change.
- 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.