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
So happy with Spot!
I’m so glad I got Spot insurance for my pup. So easy and convenient to use. What they say is exactly what you get.
Claims Processed Quickly
I’m pleased The claim was processed within days. I wish my human insurance claims were processed this quickly.
Very Satisfied!!
I'm glad I went with spot insurance for my pets. The claim was an easy process. I was reimbursed within the week.
Its a great company
Its a great company. I submitted a clam, i get my refund right away. No hassle just approved.
Filing a claim was easy
It was very easy to file a claim for my dogs emergency vet visit. They requested additional information and the claim was accepted.
Easier than human insurance!
This is the first time we have purchased pet insurance. Spot is very affordable and super easy to use. Our dog ended up getting a foxtail in his paw and had to have two different procedures to get it out. I was able to submit his invoices via the spot app and within a week or so there was money in my account! I highly recommend them and we have even beefed up our policy for next year to include preventative care.
Easy to file claims
Easy to file claims, quick pay out, and helpful customer service reps.
Zola
My experience with spot insurance is fantastic. Every time Zola goes to the vet, I submit the bill, no problems. No hassles, easy to deal with.
It is very easy to submit for a claim…
It is very easy to submit for a claim through the Spot App. They get back to you very quickly and the communication is great as well.
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!