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
Excellent service
Excellent service
The claim was easy
The claim was easy. I was expecting a bit if a hassle because of the claim amount but there wasn't one. I made sure to submit all the required documents up front when initiating the claim and in two weeks my claim was processed and approved without a problem.
Quick and reliable
Quick and reliable
Great service
Great service. Fast. Excellent refunds
Thank God for Spot Pet Ins
Diesel my 7 year old Chihuahua became quite ill on Friday May 29th. He stopped eating and drinking. That night he began scream-crying due to horrific pain. Sat morning he couldn't lift his head. I thought he was dying. I took him to an Emergency Animal hospital. X-ray showed a small square object in his stomach. Once surgically removed, the vet noticed irritation on his intestine. She opened to find a foreign object blocking any bowel movement. My vet bill was $4213.61. Submitted a claim on June 1 and received payment on June 11. After deductible, Spot Pet covered 80%. My cost: $1242.72. Thank God for Spot Pet insurance. Thank you! Thank you!
So happy I chose Spot!
I have no complaints at all about Spot pet insurance! I've had dogs for most of my life and this is the first time I have bought pet insurance. I'm so glad that I chose Spot and we couldn't be more pleased with their service! The claim process is simple and completed in a very timely manner.
Fast response after sending claim
Fast response after sending claim
SPOT Delivered on Their Promise
I’ve had a great experience with SPOT Pet Insurance. Recently, my senior rescue cat needed a treatment that cost several thousand dollars. I submitted all the required records, and once SPOT received the documentation, my reimbursement was processed without any issues. What I appreciate most is that SPOT has not raised my premiums because of my cat’s age, unlike some other pet insurance companies. One company I contacted wouldn’t even cover pets over 13 years old. The condition my cat was treated for developed after she was enrolled, and SPOT honored the coverage as promised. The claims process was easy, the reimbursement was fair, and SPOT has not disappointed me. I highly recommend them to other pet owners.
I have not had a need to really use the…
I have not had a need to really use the insurance up until now. Our kitty is normally very healthy and happy. But, that seemingly changed in an instant that he was lethargic and not eating. Although the vet did not isolate the exact cause of the fever, the IV fluids and antibiotic brought him out of the illness. I am very thankful to Spot for standing with me during this ordeal. It was overwhelming.
Great company ! Never had a problem
Spot is very quick to respond to any submissions. Never had an issue with claims. Very good price - they are always fast and efficient responses!! Definitely recommend them! The price is even better if you go through sams club! Find it a great value for pet insurance and I have had a few different insurances.
Pet Insurance FAQs
Have questions about pet insurance and how it works? Don’t worry, we’ve got you covered.