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 pet insurance and easy to use
I love how clearcut it is to be able to file a claim, upload my receipts, and receive the money back. All within a timely fashion.
quick results
quick results
Singing the praises for Spot Insurance
I want to sing the praises for Spot Pet insurance. My dog tore his ACL while playing ball and when I consulted my vet, I was told that he would need an operation to correct the issue. Fasr forward, I submitted my surgery invoice to Spot and they reimbursed me 90% of the cost. They were a life saver and a great support. Spot does it right!
Baylie's illness
Agents were knowledgeable as we discussed coverage after our dog's hospital stay. We appreciated your timely response.
Even young, healthy cats need insurance
When my fur baby swallowed some he shouldn't have, he had to be rushed to vet and had emergency surgery. Spot came through with my claim quickly. I don't know what I would've done without them.
When I put in my claim, they were very prompt in dealing with it & notifying me & I disbursing the funds to me .
When I put in my claim
Honestly I wasn’t expecting much as far…
Honestly I wasn’t expecting much as far as reimbursements as it’s still an insurance co🤷🏼♀️…but I have been pleasantly surprised and will opt to renew as the time comes… thank you!!——WE LUUUV OUR ANIMALS!!!❤️
Unbelievable
Unbelievable! I was not expecting a pet insurance company to come through on paying out on a claim for my pet's care. They took care of the claim quickly and efficiently, the process was easy. I was very pleasantly surprised and have already told my friends.
I've gotten a quick turnaround on…
I've gotten a quick turnaround on repayment for benefits.
Furry freinds
Spot pet has helped our very much good customer servies spot pet insurance well worth tge money Thank you
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.