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 and quick
Getting reimbursed for my dog’s recent yearly check up and needed vaccines for simple to do using the Spot app. After submitting all the required information, I received payment a few days later.
My boy Bullit
My boy Bullit, a pitty, recently had knee surgery. You hear all the crazy stories how pet insurance takes so long to pay out and how long the process takes. Not with Spot! I loaded up the forms needed, the invoices needed, gave the info needed, and I could track the process of my claim. I had no issues at all. No phone calls needed and payment was in my bank account in about a week. I definitely recommend having this peace of mind insurance for your beloved furry member.
Painless process
At my pup's wellness visit, it was determined she may need additional dental work in addition to teeth cleaning. Shortly after that she had an accident and injured her leg. I was able to file both claims online, attach documentation, and request direct deposit to my bank account. I made the claims on May 14 and the funds were deposited to my bank account on May 21. The entire claims process was simple and fast. Just wish my pup would recover as fast as the claims process!
Fast
Fast, efficient service. Easy to use website.
Great response time
Great response time
Fast and easy claim proess!
Fast and easy claim proess!
Quick and Easy!
I always expect anything insurance related to be annoying and time-consuming but this has not been my experience with Spot! The coverage options are super clear and the app makes submitting a claim quick and easy. The time it takes to approve and pay out a claim is incredibly fast too. I did have one issue where the vet had to trim around my dog's ears because of frequent ear infections and Spot considered it "grooming" and therefore did not cover it, but otherwise coverage has been amazing, no questions asked. Highly recommend.
Biff
Everything went smoothlyu
Lightning Fast Claim Payments!are paid so fast
Claims are paid so fast! Wow! The website and information is so clear and easy to understand and use!
Excellent Pet Insurance Company
The quick response and reimbursement is much appreciated. Also, it’s easy to get a knowledgeable, helpful individual when contacting the company by phone. Thanks.
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.