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
Spot is great!
Spot pet insurance has been great! East to submit claims. Fast reimbursement. Great customer service. Also love the app! Very user friendly. Thank you Spot!
The first time we used the insurance…
The first time we used the insurance for Spirit, we received excellent help in complaining the required form and were provided with a refund even though the form had multiple vet invoices.
No Nonsense!
We submitted our claim and it was a no nononsense process for the approval. They did not hassle or argue anything which was the last thing we needed after having a pretty big surgery on our boy. Thank you Spot for making it so easy and stress free to get our refund.
Quick response
Quick response
Claim process is intuitive and very…
Claim process is intuitive and very easy to do. Claim response is very quick and clear .
Easy to send in a claim in
Easy to send in a claim in, and fast response with processing claim. Highly recommend!
Been with Spot for Lily our Golden…
Been with Spot for Lily our Golden retriever 11 years . Lily has ha both hind CCLs Surgically repaired with TPLO and SPOT has covered both of them in accordance with our Agreement,,,NO complaints Allen
It was easy to submit my claim and I…
It was easy to submit my claim and I had my payment from spot in about 9 days.
Excellent service
We've been with SPOT for our 2 dogs a few years and never filed a claim. When my one dog tore his knee and had to have surgery we filed our first claim. The whole process was easy and smooth and we received our reimbursement within 2 weeks of filing.
Easy to use
It was so easy to place a claim and get reimbursed.
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.
Your questions will be answered by veterinary experts 24/7 at no additional cost!