Top-Rated Pet Insurance for Cats & Dogs

Q: 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. Learn more about what pet insurance covers .

Q: 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 .

Q: 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.

Q: 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.

Easy Coverage to Help Pets Feel Better, Faster.

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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.

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Happy Pet Parents Trust Spot

Rated 4.6 / 5 based on 12,330 reviews

Easy

Easy to submit claims fast payout

Shawna Baker

Very quick processing and payment.

Marylee Vespa

My claim was processed and approved…

My claim was processed and approved quickly.

Gerald Taylor

First claim was seamless

First claim was seamless! Spot even reached out directly to obtain my puppie’s health records.

Donald Roberson

… got the money back

The claim was processed really quickly and I appreciate that because we're having a lot of pet medical expenses

Rochelle

Excellent result

The submitted bills were processed and paid quickly and accurately. Thank you

Roberta Lenz

The process to go through a claim is…

The process to go through a claim is easy and seamless, they communicate well. Also their attention to the small details is truly heartfelt. Unfortunately the claim I had to put through was my dogs emergency bill and his euthanasia not only did I receive an email from them acknowledging my pets passing but also a phone call. Truly touched by those details. Thank you.

Ana Bonilla

Super Hero Pet Insurance

Spot has been such a pleasure to work with. Found them through a Google search the first week we purchased our pup. 4.5 years later, Spot came in like a super hero during out time of need with our pup. Thank you!

Clint Mcgraw