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
I got reimbursed very quickly and it…
I got reimbursed very quickly and it was easy to do.
We love our Spot insurance
We love our Spot insurance! Our 8 month old puppy recently went missing and returned to us injured four days later. This was such a difficult time for us, but we were so reassured that the process of entering a claim and receiving a refund was so simple. It made this difficult experience just a little easier to handle. Plus, afterwards, we saw that Spot offers a discount for a GPS collar through Fi, which is the first thing we purchased after her runaway adventures. Highly recommend!
Our dog had ACL surgery and we were…
Our dog had ACL surgery and we were reimbursed 80% of the claim in about a week after her surgery. Very happy with the quick turnaround.
I love the ease of the app and how fast…
I love the ease of the app and how fast they processed my claim! The previous insurance I had was not very good so I was skeptical on continuing getting insurance for my pup but Spot completely changed that for me! I would def recommend to everyone!
Claim,refund quick process
Well there on top of handling claims properly my cat was sick n had to go to the emergency room a few times but in the end Spot covered my bills and got a payment back pretty quick.
I have put in two claims over the…
I have put in two claims over the course of the past year and a half and both were handled professionally and in a timely manner. I also like how easy it is to put in a claim. My refunds were received in a timely manner.
Great company
Great company, pricing for coverage is fair and they always process claims so quickly.
I think its a very simple procedure to…
I think its a very simple procedure to file a claim, once you know what you need to submit. Spot is simple, fast and reimburses without any problems. Im so glad we got it for our Frenchie!
Fast and fair processing of the claims
The entire process of submission was easy. The claim was settled in less than a week and reimbursement was issued to the same account as premium payment. It really can’t be easier. Very satisfied.
I’ve had a great experience with Spot…
I’ve had a great experience with Spot Pet Insurance and definitely recommend it. The claim submission process is simple and easy to use, which makes everything much less stressful when your pet needs care. Processing time has been reasonable, and I’ve been satisfied with how smoothly everything was handled. Overall, it’s been reliable, convenient, and gives peace of mind knowing my cat is covered.
Pet Insurance FAQs
Have questions about pet insurance and how it works? Don’t worry, we’ve got you covered.