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 in our 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
Fast an easy.
Fast an easy. No questions, straight forward with all my records in place.I do worry about the messages regarding Leo's rates going up but it is paramount to have Spot in place.
Good customer service
Had a misunderstanding on my co-owners part. Called back apologized. Thanks for the service.
If you're on the fence for pet…
If you're on the fence for pet insurance get Spot. The site makes it so easy to send a claim in. They also process the claim quickly and send it to your checking in a few days. I got the Wellness package too. If you have a puppy it is a good idea since they will need many visits, shots, neutering, micro chip, etc. My dog came from the breeder with Giardia. I had to buy special gastrointestinal food, two rounds of medication and the problem still exists, so we are not done resolving the problem... I'm so glad we have Spot!
Spot Insurance is my peace of mind…
Spot Insurance is my peace of mind during a stressful pet doctor visit. Website is user friendly and the coverage is excellent.
It is easy to work with Spot Pet…
It is easy to work with Spot Pet Insurance. Working in the app and uploading documents is quick and simple and the rest is done for you. I have had Spot accidental and illness insurance for my puppy who is 1 now and we have benefited from the coverage as he is an active, busy, and friendly boy. Highly recommend
wonderful!
wonderful!! First time getting pet insurance for our new puppy, and I had no idea how quick it would help me save.
My claims have been handled in a timely…
My claims have been handled in a timely manner
Easy to use!
Spot was easy to use and submit claims! My claim was processed within a couple of days. The coverage is awesome for my new little pup!
I have no issues with submitting claims…
I have no issues with submitting claims and get my reimbursement pretty quickly
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.