Accident & Illness
Spot Pet covers anything from emergencies to exams for qualified illnesses and related treatment.
Eligible exam fees
Cancer, Diabetes
Respiratory infections
Accident Only
Head-to-tail Pet coverage for unexpected emergencies, with next-day accident coverage guaranteed.
Surgery & Hospitalization
Swallowed objects
Toxic ingestion
Preventive Care Add-Ons
Optional Preventive Care plans focused on routine care and regular check-ups at the vet.
Dental cleaning
Spaying or Neutering
Annual wellness exams
Affordable Pet Insurance Options for Cats & Dogs
Life is full of surprises. Spot can help pet parents plan for them through easy and simple pet health insurance options that can be used at any licensed vet in the U.S. or Canada
1)Advertised premium is based on an accident and illness plan with an 80% reimbursement rate, $750 annual deductible, and a $2,500 annual limit for a 2-year-old mixed cat in 32009. Plan costs vary.
(2)Advertised premium is based on an accident and illness plan with an 80% reimbursement rate, $500 annual deductible, and a $2,500 annual limit for a 2-year-old small mix (11-25lbs) in 32009. Plan costs vary.
Happy Pet Parents Trust Spot
Great customer service
Great customer service! Truly caring people that are on the other side of the call. They advised me of how the insurance works and they were quick to reimburse my claim. I like this insurance company so much I got my friends and sister to join them as well.
Great first experience…
Took my girlie for her annual and filed a claim on her wellness coverage. Super easy process, great communication and quick resolution. Very happy with this company. Would highly recommend!
Great assistance
The rep I spoke with when I called in to ask about a claim was very helpful. She answered my questions, waited to make sure I could get into my account on the app, and walked me through the process. She acted like she really wanted to help me and not just rush through my questions. Very polite.
Navigating their website for submission…
Navigating their website for submission of claims is easy. Reimbursement for my claims got deposited into my account in only a few days after I submitted my claim. It was a fast and easy process. Their monthly premium payment is reasonable. Thank you!
The process of filing the claim was…
The process of filing the claim was easy and straightforward.
Excellent pet insurance
Very good with communication and fast at resolving open claims. Good value also.
I've loved my experience with Spot!
I've loved my experience with Spot! No other company such an understanding policy surrounding pre-existing conditions. Also, Spot has always received and processed most of our claims within a week or a few days and we are so grateful for it!
Quick easy claim process.
Quick easy claim process.
I just obtained Spot Pet Insurance for…
I just obtained Spot Pet Insurance for my two dogs… First time I've ever had pet insurance in my life… Filled out the claim form post vet visit for a sick dog and check is on its way to me… only took 7 to 10 days… I've met my deductible!
Our claims were resolved very quickly
Our claims were resolved very quickly! Downloading invoices was so easy and the response to claims was super fast. We had a different insurance company and they were so difficult to work with and accepted no claims. So glad we found Spot they are amazing.
Frequently Asked Questions
Have questions about pet insurance? Don't worry, we've got you covered.
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.
When is the ideal time to get pet insurance for my pet?
Plans provided by Spot can insure puppies and kittens 8 weeks and older. We recommend that pets be insured while they are still young; before they develop any “pre-existing conditions”.
What determines the cost of my pet insurance premium?
There are multiple factors that can affect the cost of a pet insurance premium including the age and breed of your pet, your location, and your plan configuration. Spot’s accident-only and accident and illness base plans can be customized by selecting a deductible, reimbursement rate, and annual limit from a variety of options, each which help configure the cost of your monthly premium. Selection of an optional preventive care add-on or eligibility for a multipet discount can also affect the cost of your premium.
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.
Do All Vets Take Spot Pet Insurance?
You can visit any licensed veterinarian, specialty clinic, or emergency clinic in the US or Canada. Learn about the costs of emergency vet care here.