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 Coverage
My cat needed ED care with unexpected diagnostics, medication, and follow-up care, and the final vet bill was substantial. I submitted my claim to Spot, and I was incredibly impressed with the speed and simplicity of the entire process. • Easy Claims Process: Submitting the claim online was straightforward and hassle-free. • Fast Reimbursement: I received the reimbursement much quicker than I anticipated, which was a huge relief. • Excellent Coverage: The amount they covered was exactly what I had expected based on my plan details, with no surprises or hidden fees.
I put my claim in and within by 72…
I put my claim in and within by 72 hours I had money in my account. The whole process was so easy
Go with the best!
I’ve been with several pet insurance companies & Spot is the best. They have not refused one claim, either applying them to my deductible or reimbursing me. They are very affordable.
FANTASTIC INSURANCE
Wow, during a very scary and unsure time SPOT Insurance came thru and made things feel better. Our love of our life and family therapist, HONEYGIRL, (6& 1/2 yr old goldendoodle) Had to have leg surgery and within a 2 week time period we were reimbursed the 90% of a $4900.00 bill. Thank you ever so much for being true ! I also talked with a service rep. To be sure my claim was submitted correctly and the rep was so very kind and helpful ♡
Had a claim processed thru them…
Had a claim processed thru them recently and everything went smoothly. But I needed to stop the original payment and have it reissued. Called customer service and they handled everything perfectly.
They have never given me any difficulty…
They have never given me any difficulty when submitting a claim. Their payment is prompt and clearly explained.
Happy cat cote
I am happy to have spot Insurance for my cat cota you all are grate
So far every interaction I’ve had with…
So far every interaction I’ve had with spot has been great. Their customer service has been so nice and easy to deal with. The reimbursements have been fast and the app is very easy to use.
Very easy to process claims and get reimburse.
We had couple insurance before but never worked with a team makes it this easy. Not even a single phone call. We processed trough app and received the reimbursement fallowing week. They are great and I do recommend.
If you are on the fence, I beg you invest in your pet, you won't regret it.
I have always heard about pet insurance but was undecided. When our Rottweiler turned 3 we decided it couldn't hurt. He's now 4 1/2 and had his first health scare. Once we quickly uploaded our receipts they paid out within 7 days and put up no fight covering the claim. What an i credible peace of mind it is.
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!