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
Very easy to use
The app or website are equally easy to work with. Quick response too.
Spot insurance is the best!
Spot insurance is the best!! They’re so timely in reimbursing, able to speak with live representative and they mean what they say, no gimmicks here!!! Customers are already going thru hard times with their pets and Spot makes the financial part easy!! Can’t say enough good things about this company!!
I am very happy with Spot Pet…
I am very happy with Spot Pet insurance. Filing claims are super easy and I receive notification that my claim had been received. Soon after that I received another notification that my reimbursement was being sent to me. I would definitely encourage others to sigh up for coverage of their pets with Spot
Quick and easy service
Quick and easy service
Both Tito and Skyy are being taken care…
Both Tito and Skyy are being taken care of by Spot Pet Insurance. Very easy to work with and they do a lot of the leg work contacting the vet if they can, Very fair and quick to review claims. Thank you!
Quick and easy
The process for filing a claim is quick and easy. I submitted the paperwork and received my reimbursement within a week. No stress.
It is not complicated to submit claims…
It is not complicated to submit claims and I have had rapid results considering the chronic illness our family member has incurred. The veterinarian that we use has been very helpful with the details needed to submit the claims.
Information is clear to understand and…
Information is clear to understand and track updates. The responses and reimbursement are timely as stated.
Great service!
Spot insurance has been handling my dog Ridgley's claims promptly. The reimbursement has appeared in my account the next day. At an uncertain time when my dog's health and prognosis is compromised, it is a comfort to have a company respond quickly.
Having Spot insurance paid off for me in the 1st year!
I signed up with Spot last year, and my indoor/outdoor 'adventure cat' got sick right before it renewed. This insurance really gives me some peace of mind for controlling costs because vet bills are ALWAYS going to be big for any 'surprise' issues - whether an illness or an injury...It's usually going to cost several hundred dollars for just about anything, right? So, long story short, I received (by direct deposit) roughly 50% coverage on my ONE bill which was approximately $680. I didn't mind paying the renewal since I'll be covered for at least 11 more months.
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.