Pet insurance that’s easy as 1-2-3.
Spot makes it simple for pet parents to submit a claim and receive reimbursement for eligible services in just a few days.
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.
What do Spot Pet Plans Cover?
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)
Affordable Plans for Dogs & Cats
Life is full of surprises. Spot helps pet parents plan for them through easy and simple pet insurance options that can be used at your licensed vet in the US or Canada.
They've got your back. Why not cover theirs?
Life is full of surprises. Spot helps pet parents plan for the unexpected through easy and reliable pet insurance options that can be used at any licensed vet in the US or Canada. Enroll your Pet with Spot and get up to 90% cash back on eligible vet bills.
Why Choose Spot Pet Plans?
Trusted by
Pet Parents
Rated Excellent
4.6/5 Stars
Recognized
by Forbes
5-Star Rated
Committed to
Helping Pets
$5.7M
avg. claims
paid /month3
Happy Pet Parents Trust Spot
SPOT is very prompt and fair with their claims processing service.
My little cocker spaniel dog suffered a cut on his paw so I took him to my local vet. I got the bill and paid it. I submitted the bill to SPOT Pet Insurance and 5 days later it was paid and SPOT had sent the reimbursement to my bank via direct deposit. Great service and a very fair coverage.
Easy to file a claim
Easy to file a claim
Spot Pet Insurance has been a lifesaver!
Spot Pet Insurance has been a lifesaver. I've never carried pet insurance before ... but this time I did and when my puppy got sick they were great to work with. Easy to use website for claims submissions and easy to work with their customer service team should a phone call be needed. I look forward to our continued relationship. Thank you Spot!
Great customer service and follow-up!
Great customer service and follow-up!
Claim submission is so easy!
Claim submission is so easy and the response time is quick. Highly recommend!
Reviewed our claim and paid our account…
Reviewed our claim and paid our account within a few days
Spot was responsive (quick to respond) - 100% satisfaction!
Spot was responsive (quick to respond), diligent (no delays), and conclusive (made a decision on my claim and I immediately received a check). I highly recommend Spot Pet Insurance! We have had the insurance for several years and this was our first claim so didn't know what to expect but was 100% satisfied!
Clean office
Clean office, very attentive to your questions and great customer service, made my baby comfortable
Speed with which claims are processed
Speed with which claims are processed
Pet Insurance FAQs
Have questions about pet insurance and how it works? Don’t worry, we’ve got you covered.