Pet Supermarket

Q: What can a Spot plan cover?

Spot offers Accident-Only and Accident & Illness pet insurance plans, which can be customized with a range of reimbursement rates, annual limit, and deductible options. In addition, Spot plans offer an unlimited annual limit option, no per incident caps, and no lifetime caps. For a full list of terms and conditions, click here to view a sample policy .

Q: Do Spot Pet Insurance plans cover exam fees?

Exam fees for eligible conditions are covered under Spot’s accident-only and accident & illness base plans. Pet parents who also want cash back on annual wellness exams should opt into Spot’s optional preventive care add-ons. This coverage can be added to your base plan for a small fee.

Q: Can my pet insurance plan help me get cash back on routine teeth cleanings?

Base level plans do not cover the cost of routine teeth cleanings. In order to get cash back on this type of service, you’ll need to add preventive care coverage to your pet’s policy. This can be added to a base plan for a small monthly fee.

Q: What is the ideal age for enrolling my pet in pet insurance?

Spot pet insurance plans can cover puppies and kittens 8 weeks and older. We recommend all pets be insured at a young age, before they develop a “pre-existing condition” before they’re insured. Spot also has no upper age limits for new enrollments and your pet will never age out of our coverage.

Q: How can I tell if my pet has a condition that is “pre-existing”?

A pre-existing condition is an injury or illness that first displayed symptoms or occurred before coverage for a policy begins, or during the policy waiting period. A condition can be pre-existing even if it has not been officially diagnosed or treated. All that matters for this qualification is when the injury or illness first occurred or started to show symptoms.

Click For Price

A fluffy brown dog wearing a white bandana with blue spots and the word spot sits next to a simple blue and yellow cartoon drawing of a cat on a light background.

How Spot Pet Insurance Works

Illustration of a blue veterinary clinic building with a white medical cross in an orange circle above the entrance and a paw print sign in the window.

Visit Any Vet

No vet restrictions! Visit any vet in the U.S. or Canada.

An illustrated document with a large orange dollar sign, paperclip, and lines representing text, resting on a blue and yellow folder.

Submit Your Claim

Submit your claim online or through our mobile app – it’s quick and easy.

A cartoon-style orange money bag with a dollar sign on it sits next to three stacked gold coins.

Get Paid!

Get cash back quickly for covered vet bills either direct deposit or check.

What do Spot Pet Plans Cover?

Plan Options

eligible diagnostics and treatments for costly accidents and illnesses:

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)

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.

Check Pricing

An orange cat with a stethoscope sits next to a yellow cartoon dog wearing a blue collar with a pet tag, both on a white background.

Swipe

Happy Pet Parents Trust Spot

Rated 4.6 / 5 based on 12,330 reviews

Easy

Easy to submit claims fast payout

Shawna Baker

Very quick processing and payment.

Marylee Vespa

My claim was processed and approved…

My claim was processed and approved quickly.

Gerald Taylor

First claim was seamless

First claim was seamless! Spot even reached out directly to obtain my puppie’s health records.

Donald Roberson

… got the money back

The claim was processed really quickly and I appreciate that because we're having a lot of pet medical expenses

Rochelle

Excellent result

The submitted bills were processed and paid quickly and accurately. Thank you

Roberta Lenz

The process to go through a claim is…

The process to go through a claim is easy and seamless, they communicate well. Also their attention to the small details is truly heartfelt. Unfortunately the claim I had to put through was my dogs emergency bill and his euthanasia not only did I receive an email from them acknowledging my pets passing but also a phone call. Truly touched by those details. Thank you.

Ana Bonilla

Super Hero Pet Insurance

Spot has been such a pleasure to work with. Found them through a Google search the first week we purchased our pup. 4.5 years later, Spot came in like a super hero during out time of need with our pup. Thank you!

Clint Mcgraw

Thoughtful help in enrolling on the…

Thoughtful help in enrolling on the phone

Pet Insurance FAQs

Have questions about pet insurance and how it works? Don’t worry, we’ve got you covered.