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
Satisfied Customer
I got Spot Pet Insurance when my Havanese Poodle was 8 months old. So far, I have used it a few times: when my pet was neutered, for puppy vaccinations, and when he was sick (unfortunately). It has been easy to navigate the website and submit the claims. They are quick to review and reimburse for the things that are covered. They communicate promptly, and so far, I am satisfied with their service. I give them a thumbs up!
Good service for my two puppy’s!!
Good service for my two puppy’s!!
Peace of Mind
Easy to file the claim! Our claim was approved quickly and paid out the next day! It's a peace of mind to have this coverage!
Great Customer Service
I have recently filed 2 separate claims. Both were easy to download using the app and both ere processed very quickly, and in both cases I was reimbursed to my complete satisfaction. When I have had to call, customer service has been very courteous and have helped me to my complete satisfaction. I have used 2 other pet insurance companies prior to Spot and neither were anything like the customer service I have been provided with Spot
Love Spot Pet Insurance
Having Spot Insurance is having peace of mind. They have great customer service and process claims quickly.
I am so glad i went with Spot pet…
I am so glad i went with Spot pet insurance. THe process was easy. And i am happy to say after a very expensive ACL tear on my dog. Spot paid the allotted amount in a timely and painless manner. The payment was exceptionally fast. I was worried they wouldn't pay it quickly and they did, saving me credit card charges. I totally recommend. THank you Spot Family.
Quick response and payment on my claims.
Quick response and payment on my claims.
We love Spot ❤️
I have had pet insurance with Spot, since September 2023. I submitted my first claim may 2025. I provided the requested paperwork, and I was told I had met my deductible and they approved the claim. It was as easy as learning to ride a bike! We love Spot ❤️
Overall Satisfaction, Coverage, Customer Service
The ease of filing. I did a lot of research for Pet Insurance, before choosing SPOT. What I appreciate is the fact that it covers Dental, whereas, most Health Insurance Providers do not. Customer Service has been awesome, since Day 1.
Spot has always responded immediately…
Spot has always responded immediately and process our claims in a timely fashion.
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.