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
Extremely Pleased
My dog had crypt orchid for which he had an orchiectomy and was neutered. I submitted a claim which was denied for having been a preexisting condition. In 2025 my dog was attacked by a much bigger dog. He had an overnight stay at a Pet Emergency Hospital including surgery and several fu visits I was pleasantly surprised that Spot reimbursed me 90% of all of these vet bills which was thousands of dollars! In early 2026 my dog got treated for ear infection and this treatment was also covered at 90% after my $100 deductible was met I am extremely pleased with this Pet Insurance submitting a claim is streamlined and the response time prompt! Thank you SPOT
Our First Claim…Easy and quick!
Our dog developed severe dental disease requiring numerous extractions and bone loss from an abscessed tooth. I was very happy about how easy it was to send in the bill from the vet and payment was issued in less than a week. Spot processed the claim in a fair manner and we did not have any difficulties. This was our first claim in almost three years of coverage so I wasn’t sure what to expect but am happy to say Spot provided the coverage we paid for and makes it very easy to submit your claim! Highly recommend them.
Efficient
The process was quite simple and non-bureaucratic. The claims were processed quickly, statuses were communicated, and there was no back-and-forth with disputes, needs for endless documentation and verification, or any other red tape.
Efficient on time claim resolution
Efficient on time claim resolution
How fast you were to process my claims
How fast you were to process my claims
Easy payment reimbursement
Easy to navigate claims
Quick
Quick, no questions asked/no hassle reimbursements. For sure helps with an already stressful situation. I’ll recommend them to anyone
Spot was there when it mattered most.
In one of the most difficult times in my life as a dog mom, Spot seemlessly managed the bills I submitted. I didn't need to jump through hoops as I have with other insurance companies. Instead, I was able to simply submit my bills and the payment came quickly and without issues. It made an extremely difficult time, less stressful knowing Spot was there to help.
You have been fair and upfront with…
You have been fair and upfront with payments. Thank you, I feel that I have chosen the right pet insurance
Such Great company and Insurance for…
Such Great company and Insurance for our doggy Rocky paid great for his Knee surgery after his injury:)
Pet Insurance FAQs
Have questions about pet insurance and how it works? Don’t worry, we’ve got you covered.