How Pet Insurance Works
Visit Any Vet
No vet restrictions! Visit any vet in the U.S. or Canada.
Submit Your Claim
Submit your claim online or through our mobile app – it’s quick and easy.
Get Paid!
Get cash back quickly for covered vet bills either direct deposit or check – you pick.
Happy Pet Parents Trust Spot
Quick processing of the claim
Quick processing of the claim, However, it would of been nice if you paid for the Bordella vaccine.
Reimbursed for Dog's ACL surgery with no issues
Making a claim is super easy, and they reimbursed me for my dog's ACL (ccl) surgery with no hassle. Thank you!
Excellent service
The ease of filing claims and the timeliness of payment are always "spot on" lol. I've filed for major surgeries as well as other smaller issues
I appreciate all ‘
I appreciate all ‘
Claim handled fast.
Claim handled fast.
Fast processing of claim
I recently submitted a claim for my pet, though I was initially told it would take up to 4 weeks, it was processed in a week. The claim submission process is very simple and easy. Thanks for the awesome service!
Fast clear easy to follow instructions…
Fast clear easy to follow instructions for making my claim
Always great and quick service
Always great and quick service
Easy to file,quick payment
Easy to file,quick payment
Knowledgeable Staff.
Knowledgeable Staff.
What is covered in Spot plans?
Vet Exam Fees
Microchip Implantation
Behavioral Issues
X-rays & Tests
Emergencies & Hospitalizations
Skin, Eye, and Ear Infections
Hereditary Conditions
Dental Illnesses
Vet Exam Fees
Microchip Implantation
Behavioral Issues
X-rays & Tests
Emergencies & Hospitalizations
Skin, Eye, and Ear Infections
Hereditary Conditions
Dental Illnesses
Digestive Illnesses
Hip Dysplasia
Cancer & Growths
Infectious diseases & diseases from parasites
Orthopedic
Swallowed Objects & Toxins
Diagnostics & Treatments
Prescription Medications
Surgery & Specialized Care
Advanced Care
Virtual Vet Visits
Alternative Therapies (e.g. Acupuncture)
Spot Preventive Care Coverage Perks
Spaying or Neutering
Spaying or Neutering is covered for an extra cost as part of Spot's Platinum Preventative Add-on
Dental Teeth Cleaning
Cleaning coverage included in Spot's preventative care coverage options for an extra cost
Wellness Exams
Routine exams and screenings give your vet the opportunity to detect health issues in the early stages
24/7 Pet Health Helpline
Policyholders of insurance plans from Spot are provided immediate access to a 24/7 helpline for pet health, behavior, and wellness questions powered by VetAccess™.
Your questions will be answered by veterinary experts 24/7 at no additional cost!