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
Easy claim process
Very easy claim process, and happy we chose Spot!
Easy to navigate
In a very different time for my family with our dog becoming extremely ill very quickly with no explanation spot made it so easy to submit my claims and get reimbursed
My dog had emergency surgery on Sunday…
My dog had emergency surgery on Sunday night. Completed online claim. Money was in my account Thursday. Amazing.
It was easy to get my claim processed.
It was easy to get my claim processed.
Spot has always covered my dogs issues…
Spot has always covered my dogs issues and paid me very quickly. Have your paperwork in order along with your vet and the process is seamless.
Great and fast service after submitting…
Great and fast service after submitting my claim!
Prompt service
Prompt service - no issues at all in getting my claim processed and my payment sent.
I've needed to use Spot two times now…
I've needed to use Spot two times now and both times was impressed with the quick response of receiving what money I was due back! thank you Spot!
Great customer care always very helpful
Great customer care always very helpful
I want to give a huge shoutout to Spot…
I want to give a huge shoutout to Spot Insurance for their exceptional service. They are truly a standout in the pet insurance field. Claims are processed with impressive speed and efficiency. I currently have their accident and illness plan, and I’m definitely adding the wellness plan when I renew. If you’re looking for peace of mind, getting pet insurance is a smart move—it makes all the difference!
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.