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
Great plans at a good price
As a household with multiple pets, having Spot insurance has been invaluable in being able to provide the care our furry companions deserve. The variety of coverage options allowed us to tailor multiple plans that are just right for us. It pays to take the time to explore all the different coverage options. We really like that Spot includes coverage for some regular preventative care treatments. When it comes to submitting claims, the process is straightforward and fast, we found it best to convert documents to .PDF when we upload them. We were pleasantly surprised by how quickly we received our reimbursement. Also, any questions we had were addressed promptly and thoroughly, providing us with peace of mind and confidence in Spot.
My claims were handled fast and…
My claims were handled fast and efficiently.
My sweet cat passed on New Years from a…
My sweet cat passed on New Years from a fungal infection the vets didn’t catch. I took her to the ER multiple times, to her regular vet, and to a specialist. It took me 2.5 months before I could even look at her vet bills and submit for reimbursement. When I finally did, Spot processed my claims quickly and hassle-free. They cancelled my policy effective 1/2/26 without me having to do that too. I also got a nice email and even a phone call with condolences. It may not seem like a big deal, but it felt like a nice gesture. 10/10 recommend.
I had Trupanion for my first cat
I had Trupanion for my first cat. It did its job, and was a lifesaver for when we had 10k of treatments for cancer. However, second cat's cancer treatment came when I was financially less stable and had to change over to Spot. I had my reservations considering the price that seemed too good to be true and the fear from straying from the more well-known companies. Turns out, they are just as good, just as helpful (if not more to make up for any difficulties that come from issuing claims). Death and sickness are always terrible things, and one comes to cherish the gentleness of convenience - if only to have more memories of my pets rather than the bureaucracy of surviving them.
I had to submit a claim for my dogs…
I had to submit a claim for my dogs surgery to remove a tumor. I submitted the claim and at first it was incomplete, and I was notified of what I needed to submit. I called to get clarification and the person at spot was very helpful andprofessional. My claim was approved in a timely manner so far, very pleased with the whole process.
13/10 would recommend!!!
I normally don't leave reviews, but I very much felt the need to do so. I switched my pets from Banfield to Spot after MONTHS of research. I mean literally 6 months of research of who had the best coverage, who had the best price, etc. I decided to go with Spot because they offered the most coverage for such a great price. The reason I wanted to write a review was because I recently lost one of my dogs and as I was waiting for Spot to approve everything, I get an email from them saying how sorry they were about the loss of my baby boy Roscoe. I also noticed that they said because of the time-frame of which he had passed (it lapsed into a new month), they weren't going to charge me for that new month and they were going to cancel it for me but if I had any other paperwork to submit that I could do so. It was truly so effortless and a weight off my shoulders not having to deal with all that with the sudden loss of Roscoe. My experience with Banfield was quite the opposite when I lost my dog Benji, it was like fighting tooth and nail with them. Spot made it so easy, I was able to grieve over the loss of my baby without having to deal with the phone calls, the holds and lets be honest, the bs that comes with trying to cancel insurances. They even called me a week later to check in to see how me and Roscoe's littermate Hodor were doing. I really cannot recommend Spot enough!
Excellent and fast
Excellent and fast. No hassle.
Easy to file claim and fast to get…
Easy to file claim and fast to get reimbursed.
Best Experience Upon the Death of Our Cat
I bought pet insurance months ago not knowing what to expect. Our cat unexpectedly passed away due to an undiagnosed condition. Prior to this we had no claims submitted. I wasn't expecting much from the insurance but the submission was very easy for his end of life expenses. And their response to our cat's death was so very kind. They called me, sent a message via email, and we received a wonderful card. They proactivley cancelled the insurance which saved us time and future unnecessary charges. We love cats and will be adopting one again soon, and Spot Pet Insurance will definitely be a part of our life. Thank you to all at Spot for your kindness and sympathy during this time.
Pet Insurance FAQs
Have questions about pet insurance and how it works? Don’t worry, we’ve got you covered.