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
Excellent and fast
Excellent and fast. No hassle.
Easy to file claim and fast to get…
Easy to file claim and fast to get reimbursed.
Best Experience Upon the Death of Our Cat
I bought pet insurance months ago not knowing what to expect. Our cat unexpectedly passed away due to an undiagnosed condition. Prior to this we had no claims submitted. I wasn't expecting much from the insurance but the submission was very easy for his end of life expenses. And their response to our cat's death was so very kind. They called me, sent a message via email, and we received a wonderful card. They proactivley cancelled the insurance which saved us time and future unnecessary charges. We love cats and will be adopting one again soon, and Spot Pet Insurance will definitely be a part of our life. Thank you to all at Spot for your kindness and sympathy during this time.
The Payment was fast!
The Payment was fast to my account and explanation of benefits paid were clearly written.
I have done two claims through Spot in…
I have done two claims through Spot in last 5 years, both over$1500 and other than my deductible they paid to the dime the amount I expected. Claim processed in a week and the first one was received in the 5-10 days by mail as they said and the second claim check I should get this week. Other than my own shortfalls of uploading the documentation the process was seamless. I was unable to find my Credit Union on their site so had to do mail. I spoke to them by phone in which staff answered quickly, gave me additional options on submitting the claim. Also the staff was very sympathetic about my dog. ❤️
After going through such a scary…
After going through such a scary experience, it was so nice to talk to wonderful people at Spot insurance. They made such a difference.
The Meaning of Good Customer Service
My overall experience with Spot Pet Insurance is amazing!! I’m using this adjective to describe them because on the wonderful service (s) the provider for my little furry family member. Some insurance companies will let you go on paying for services you don’t need any longer. When it was time for my renewal the rep really help me in my decision. When you file a claim they are very prompt in paying with no hassles. I’m so happy I selected this company, I’m very happy with them!!!!
They wanted to help
I was having a lot of trouble trying to submit a claim. Your representative knew just what to do. The claim was submitted and processed that week.
Took care of a lot of my very expensive…
Took care of a lot of my very expensive dog surgery and recovery now
Everything from the representatives to…
Everything from the representatives to the service was A1 for me. The representative was so helpful in answering all my questions and making me satisfied with the answers they gave I would highly recommend spot insurance to any other pet owners. Thank you so much for everything.
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!