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
The claim process was fast and easy.
The claim process was fast and easy.
Easy to use app and rapid processing of claims. I love SPOT
Easy to use app and rapidmprocessing of claims
It was bound to happen and I am…
It was bound to happen and I am thankful we had Spot Pet Insurance when it did. I had to take my fur kid to the vet for X-rays and an ear infection along with follow up appointments. The claim filing process was pretty simple and the reimbursement came quick with no problems. I see reviews with people saying insurance doesn’t do what it is supposed to, well it does. I got insurance on my fur kid when he was a puppy, there were no previous issues. I think that is where some of the comments may come from. We have the illness and accident and I am thankful I decided to stick with it.
When I called for help the sweet lady…
When I called for help the sweet lady was so very kind to me! She carefully walked me through the claim process and never made me feel dumb.
Claim
How easy it is to submit a claim.
I would highly recommend Spot…
I would highly recommend Spot Insurance. Claims are processed very quickly and they stand by their word.
I have had Spot Insurance for nearly…
I have had Spot Insurance for nearly two years now. Our little dog Rosie started to limp and whine recently. Our vet referred us to an orthopedic vet. So far Spot Insurance has covered the expenses just as the policy promised!
Very satisfied customer.
I have been a client of Spot Pet Insurance for about four years and the service is remarkable. They are very expedient with resolving a claim, and paying what ever is covered to the client as soon as possible.I know there are many other companies but I would not think of changing. There customer service department is staffed with very friendly and knowledgeable people.
The claim process was simple
The claim process was simple. I uploaded the invoice and attached the medical record supplied by the vet. In ten days my claim was approved and a check sent in the mail. It really couldn't have been easier.
Customer service is wonderful
Customer service is wonderful, always helpful with my questions, thank you!
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.