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 to navigate
Easy to navigate, user friendly app. Pretty quick to process claims
Excellent insurance
I received my reimbursement very quickly.
Everything is easy
Everything is easy! The more things are easy the better off, because there is so much to do, like take care of my dog who I’m worried about.
Excellent customer service
Excellent customer service. Friendly representative service. Claims processing is fast and no hassles.
Love them!
I’ve been with spot since 2022 and I love them so much. I always feel at peace knowing that I have insurance with them
SAVED HER
you guys are the reason i could save my baby girl! thank you blessing from God thank you
Lifesaver insurance
SPOT pet insurance has been a lifesaver. I have a 6 year old Miniature American Shepherd (mini Aussie in layman’s terms) and she means the world to me. I pay for SPOT’s preventative coverage as well as accident/illness coverage. They have always reimbursed me for the available vaccinations/bloodwork/annual visit covered under preventative care. On June 16th, 2025, my dog presented with bloody vomit and diarrhea. I was able to take her to her primary vet immediately, and after examination and bloodwork they suggested the emergency room. My dog was diagnosed with hemorrhagic gastroenteritis (HGE) and needed overnight support. The total of both the primary vet visit and the ER visit was $3800. SPOT reimbursed me 80% as promised within 4 business days of submitting a claim with itemized receipts and a description of what happened. It was an incredibly stressful situation but some of that stress was absolved by knowing SPOT had my back. I would recommend SPOT pet insurance to anyone. Just make sure you read the policy of the plan you choose to know what’s covered. I’d happily pay $65 a month for top coverage for the rest of all of my animals’ lives to have peace of mind in case of an emergency.
Very smooth process-paid exactly what it said it would cover
Very smooth process. Clear on what they do and don’t cover. I had some high bills from a couple of emergency vet visits with my cat and there were no issues or arguments on what I could claim. Would def keep using. I don’t know what I would have done if I hadn’t insured my cat. The overall bills came to around 7000 but I only had to pay around 1500 with insurance.
Peacefully I can take mowgli to…
Peacefully I can take mowgli to hospital or doctors if anything happened to him No need to worry about money, glad to have spot insurance for my lovely mowgli.
Great experience
How fast and easy it was to file a claim.
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.