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
This was my first time using the claims…
This was my first time using the claims center and i was impressed with the ease of doing so as well as the quick response and claim completion. I'm happy i chose Spot Pet.
Quick resolutions
Quick resolutions. Never a problem with getting the claim processed and the money.
Beyond our expectations!!
There are many pet insurance companies to choose from. I chose SPOT because my daughter recommended them. My 2 yr old cat was hit by a car and had to have orthopedic surgery. SPOT handled our claim immediately..there was excellent and clear communication and responses to emails were immediate. Our claim was processed quickly and we received reimbursement in about a week. I'm glad my daughter recommended this wonderful company..and now I am as well! Thank you SPOT!!!
Awesome and easy to work with
Awesome and easy to work with! So glad I had this for my dog after he experienced a vet visit and a hospital visit!
GREAT EXPERIENCE
My experience submiting a claim was flawless and quick.
Easy Process
Spot has made the process of submitting a claim extremely easy. Simply uploaded my dog’s records and wuh la! Claim processed . Funds received!
Quick and easy reimbursement process.
Quick and easy reimbursement process.. Very happy we choose Spot Pet insurance for our Cubby..
Amazing communication.
The communication process is easy and the customer service is always with a great attitude and help. Claim process are clear and fast.
So happy with Spot
I have been very happy with Spot for my little Phoebe. The times I have filed a claim the response is always within a couple of days. The forms are easily filled out and submitted on line. I have been telling everyone who asks how easy it is to pick levels of coverage to suit whatever need. I chose higher levels of coverage as I have a Doxie which are prone to expensive back conditions. The only thing I am not sure about is the wellness package as it is on a yearly and some vaccines are three year now.
Spot insurance has been “spot on!” 😁
Spot insurance has been “spot on!” 😁 Making a claim is easy, the response is fast, with no hassle; I am pleased.
Pet Insurance FAQs
Have questions about pet insurance and how it works? Don’t worry, we’ve got you covered.
What do Pet Insurance Plans provided by Spot cover?
Spot Pet Insurance offers options for Accident-Only and Accident & Illness pet insurance plans. Spot plans offer an unlimited annual limit option, no per incident caps, and no lifetime caps.
Plans provided by Spot cover the eligible expenses for medically necessary veterinary treatments that are prescribed to treat your pet’s covered conditions.
You may use any licensed veterinarian in the US and Canada.
For a full list of terms and conditions, click here to view a sample policy.
Can I Get Reimbursed for Routine Teeth Cleanings?
Base level plans provided by Spot do not cover routine teeth cleanings.
However, Spot accident & illness plans cover treatments for dental illnesses. The only treatment covered for dental accidents is tooth extractions.
To get reimbursed on routine cleanings for your dog or cat’s general wellbeing, you’ll need to add preventive coverage to your base plan for a little extra cost per month.
How do I Determine if My Pet Has a Pre-existing Condition?
Plans provided by Spot do not cover pre-existing conditions.
A pre-existing condition is any injury or illness which occurs or shows symptoms before coverage starts or during a waiting period. A condition is considered pre-existing whether or not it’s been officially diagnosed or treated; all that matters is when it occurred or symptoms first displayed.
What is the Best Age to Insure My Pet?
Plans provided by Spot don’t have an upper age limit for new enrollments or coverage. We advise all pet parents to insure their pets at a young age. You can enroll your pet in a plan from Spot as soon as they’re 8 weeks old. Don’t let your pet develop a “pre-existing condition” before they’re insured.
Does Pet Insurance Cover Exam Fees?
Not all pet insurances cover exam fees. Spot plans cover exams for covered conditions.
Routine wellness exams are not covered by base level plans provided by Spot, and they are only covered under Spot’s Preventive Care plans, which you can add on to your base level plans for a little extra cost.