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
Can’t say enough great things about…
Can’t say enough great things about this insurance! I have had SPOT for 5 years for all three of my dogs. Boy am I glad I got it. My Daschund needed back surgery and SPOT was there for me and my Homer. Highly recommend!
Prompt consideration of claim
Prompt consideration of claim
Quick response to claims submitted!!
Quick response to claims submitted!!
They are easy to send claims and have…
They are easy to send claims and have them processed. They contact the veterinarian if they have questions.
You don’t think you’ll need it, until you do.
Like anyone, I hated paying insurance premiums every month. But, something told me not to cancel my SPOT insurance. Let me tell you, I am SO glad I didn’t. One day my dog decided to eat a cardboard box while we were in the middle of a move. He has never done anything like this. Well, cardboard does not digest. He ended up with a wad of congealed cardboard that wouldn’t come up and wouldn’t pass through. Nearly $5000 for surgery and treatment and he is just fine. What a huge stressor this would have been without SPOT insurance. This incident was the first time I actually had to file a claim and I was honestly nervous about how it would go. But it was so smooth. I filed the claim through the app, attached the required receipts and proof of treatment, and within about a week the reimbursement hit my bank account. It was so easy. I will forever recommend pet insurance. Hopefully you never need them but the peace of mind knowing SPOT has your back if the time comes is 100% worth the monthly premiums.
Great prices and a great company that…
Great prices and a great company that knows how to use technology to benefit their pets and clients.
finally !!!
finally !!! A company that stands behind what the say . my dog got sick and it cost me . almost 4,000 dollars to get her well . Spot reinbrust me more than half of that money back and did it in less than a month after me filing the claim . and they did two follow up e-mails to make sure I was happy with the amount.
Great coverage & claims reimbursement…
Great coverage & claims reimbursement process.
You guys great
So far everything great
The benefits and the customer service.
The benefits and the customer service.
Pet Insurance FAQs
Have questions about pet insurance and how it works? Don’t worry, we’ve got you covered.
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.
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.
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.
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.
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.