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
Very impressed with the caring person I…
Very impressed with the caring person I spoke with concerning my claim. Very fast return of payment. Could not have ask for anything else from Spot. Hey they were "Spot on". Thank you
Turn around time from placing claim and…
Turn around time from placing claim and its approval was a short time frame
Amazing coverage!!!
I am honestly shocked that this has been such a good experience as working with insurance companies (for any living creature) is usually a nightmare. It is SO easy to submit claims. The claims are reviewed in a timely manner, and checks are issued if warranted. Spot doesn't make customers jump through unnecessary hoops, which is greatly appreciated. I wish I would have signed up sooner!
So glad I have this insurance
So glad I have this insurance. They made it so easy to put in a claim. The claim was paid within a week.
easy and painless
easy and painless Just uploaded the invoice, waited a bit and got my money. Although I hope no one actually has to use this, it does help when you do.
Easy and fast process
The process was simple and quick. The payment was also quick.
We LOVE Spot!!!
Great quality service and excellent coverage!!! Spot cares and their customer service reaches out with a death of a pet as well! They even have 24/7 vet calls if you have any issues or emergencies!
Bayleys claim
It was a quick process
Spot is so easy to take care of my pets…
Spot is so easy to take care of my pets needs.We are able to do thing with my pets medical with no complications on. There website is easy to understand, it walks you thru every process that is need to keep you pet on track. We love this Insurance!!!
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!
Frequently Asked Questions
Have questions about pet insurance and how it works? Don’t worry, we’ve got you covered.
What is Pet Insurance?
Pet insurance is a type of coverage that helps offset the cost of veterinary care for your pet. It can help in covering vet expenses related to accidents, illnesses, and preventive care. By having pet insurance, you can protect your pet's health and potentially avoid significant financial burdens in case of unexpected medical needs.
What Do Pet Insurance Plans Provided by Spot Cover?
Spot Pet Insurance offers options for Accident-Only and Accident & Illness pet insurance plans. Spot plans offer an unlimited annual limit option, no per incident caps, and no lifetime caps.
Plans provided by Spot cover the eligible expenses for medically necessary veterinary treatments that are prescribed to treat your pet’s covered conditions.
You may use any licensed veterinarian in the US.
For a full list of terms and conditions, click here to view a sample policy.
How Do I File a Claim?
Click the Claims icon and follow the simple instructions. Don’t forget to take a picture of your invoice and upload it to complete the claim submission.
What is a Pre-Existing Condition?
A pre-existing condition is any injury or illness which occurs or shows symptoms before coverage starts or during a waiting period. A condition is considered pre-existing whether or not it’s been officially diagnosed or treated; all that matters is when it occurred or symptoms first displayed.
Plans provided by Spot do not cover pre-existing conditions. However, with pet insurance plans provided by Spot, this doesn’t mean the condition can’t be covered in the future if the condition is curable. An injury or illness that is curable, cured, and free of treatment and symptoms for 180 days will no longer be regarded as pre-existing, with the exception of knee and ligament conditions. If a knee or ligament condition occurs before the coverage effective date or during a waiting period, any future ones won’t be covered.