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
SPOT pet insurance rules!
SPOT pet insurance rules! I easily upload my receipts, and within a week I have my reimbursement in my checking account. It's fast, simple and the best thing I've gotten for my dogs since their chew toys!
The great experience was easy
The great experience was an easy access for when my dog was sick, took him to my vet, got treatment actually several times and then took a picture of my receipt and submitted it to Spot and got a refund for services once I hit my dogs deductible.
It was easy to submit my claim
It was easy to submit my claim. My pup had to be hospitalized twice, and it was very stressful and very expensive. The claim was processed very quickly, within 2 weeks. Hopefully, there is never a next time, but I would definitely use the direct deposit option. I tried to do that before I submitted it, but I couldn’t find how to on the app.
Easy claim submission and quick payments
Glad that I decided to cover our pup with Spot.
10/10 Experience!
Spot has provided a wonderful experience for our family! The customer service is easy to access, and submitting claims is a breeze. The claims get processed quickly, and I’ve never once had a question or concern from Spot about a medical bill. They have been a godsend. My only regret is we didn’t sign up earlier!
Claims handled in a timely manner
The claims process using the App is seamless and straightforward. Coming up on our first year with Spot and our puppy and we're very happy. Spot has turned out to be the right choice for us for convenience and value.
User friendly app
User friendly app, always quick with claims.
So Glad I Purchased Coverage
I was uncertain if this was a good value for me, until I needed to use the insurance for my pets. I soon realized having the accident/illness coverage was one of the best things I could do for them.
The claims are taken care of quickly.
The claims are taken care of quickly.
So easy to make a claim very fast…
So easy to make a claim very fast results so happy I picked Spot
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.