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
First time having to submit claims and…
First time having to submit claims and Spot made it very easy to do.
No Regrets
Straightforward and easy to use with the app. Have had 0 problems submitting claims so far.
Easy claims process and quick…
Easy claims process and quick reimbursement!
Easy to apply for Hunters coverage on…
Easy to apply for Hunters coverage on line.I have peace of mind with Spot pet,insurance 👍
Exactly
Spot has delivered exactly what it said it would...the agents are courteous and helpful and claims are processed in a timely manner...Iam satisfied having chosen Spot...and so is my pet Luna...
Claims have been easy to file with…
Claims have been easy to file with reimbursement received promptly.
Oreos
Oreos, yearly check up was reimbursed fairly and quickly !
Super easy !
We have had Spot insurance for 2 years and we just recently needed to make several claims. Luckily our pupper came through just fine but we had several large bills. The claim process was super easy, we were able to upload everything online, and were paid about a week later. It was a great experience and so glad we had insurance in place.
No issues what so ever
No issues what so ever, very clear on how to submit your claim. It was wonderful no pushback at all.
Both my pet's Peetie & Sophie are Spot insured
Both my pets are covered by Spot's illness & accident coverage for almost 2 years now. Looking back, I should've insured my 8 yr old CHI mix as a puppy due to any health issue developed before it's bieng covered by Spot is a preexisting condition. My cat was insured as a kitten and that is beneficial for both her and my peace of mind. Claims that are covered by Spot are quickly reviewed and if approved, reimbursed in a timely manner. Overall Spot insurance is a good choice for my pets.
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.