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
Fair and expeditious processing
Fair and expeditious processing of claims.
Great experience!
Provided quick service for reimbursement!
My experience with submitting a claim
The process of submitting a claim was straightforward. I was promptly notified if more information was required. The decision regarding coverage was clearly explained and directly deposited into my account. The Staff that answer my phone calls are attentive and concerned about my pet.
Great insurance simply the best
Super easy and very quick payment Simple fill out form submit your receipt that’s it no hassles makes my life easier
Blazing fast claim processing time
Claim process is a blast with this company, with few simple docs they make sure you get reimbursed blazing fast. best pet insurance out there in 2025.
All my babies are covered by spot
All my babies are covered by spot. They are fast and fair about the claims.
Paying claim
Sent the invoice on Jan 1 and by Jan 2 getting a response
My dog had a tough ear infection and I…
My dog had a tough ear infection and I submitted my vet bills. They reviewed and payed without any issues
Little lengthy but good
Little lengthy but good
Ecellent Experience
The whole experience was excellent. The support from your team make it easy for the entire process. You guys evaluated my claim real fast and i got answers right away. Too bad i still not getting my refund, just waiting for a check on the mail. Besides that i am very happy with my insurance choice. Keep the good work!!
Pet Insurance FAQs
Have questions about pet insurance and how it works? Don’t worry, we’ve got you covered.