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
Thank you for taking care of my Ruby
Thank you for taking care of my Ruby! She means the world to my husband and I. And it’s great comfort to know that you have our back when comes to Ruby’s welfare. Sincerely, the Otrambo family.
We have been with Spot for a couple of
We have been with Spot for a couple of years without needing reimbursement. The last few months Spot has been fair and paid out as expected and pretty promptly. So far, I am pleased with Spot.
Great Insurance
Processing claims is very easy and the reimbursement time is great. Nice to have a dependable insurance for my babies
Never had pet insurance before and…
Never had pet insurance before and listened to various people on how hard their experience was with the companies they used. Just submitted my first claim and no issues whatsoever. Very impressed with the ease of using Spot and will remain a customer.
I’m very happy with this pet insurance
I’m very happy with this pet insurance. Their customer service is responsive, helpful, and professional. Every time I’ve needed assistance, they’ve been great, and my claim was processed very quickly — I received payment within just four days. It gives me peace of mind knowing my pet is covered by a company that truly cares. Highly recommen
SPOT ON!!!!
We have always wanted the best for our Golden Retrievers. I did some research online for SPOT insurance and even though it had great reviews, I purchased it reluctantly because I did not know ANYONE with Spot pet insurance. I am so happy that I did! Our Golden had an emergency last month$$$$ and they came through during a very difficult time. The last thing anyone wants to worry about is "How am I going to pay for this?" We were refunded quickly and the claim process was so easy on the app . Their service was SPOT on !
Very prompt
Very prompt
Easy & Quick
Very easy to submit claims with quick response!
Great and refund
Great and refund
They were excellent in sending me my …
They were excellent in sending me my reimbursement in less than a week after my submission of my claim.
Pet Insurance FAQs
Have questions about pet insurance and how it works? Don’t worry, we’ve got you covered.