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
Took Care of it All!
This was great! Loved using SPOT and will keep them for all my pets. My dog had surgery on his knee. They reimbursed it, and everything was easy. A company that does what they say!
Worth Every Penny!
After hours of researching and comparing various pet insurance options, I made the decision to go with Spot for our dogo argentino rescue puppy. This is the first time I’ve ever purchased pet insurance, and I’ve had dogs all my life. After a year, I can confidently say that Spot is absolutely worth the investment! Over the past year, we had to make multiple visits to the emergency vet, and it turned out that our sweet girl has severe food allergies. Without Spot, we wouldn’t have been able to afford the cost and care that our puppy required. I am incredibly grateful for this service and wholeheartedly recommend Spot to anyone who has a pet, especially a puppy! They have been incredibly quick to process my claims and respond whenever I have questions. Honestly, in today’s world, I didn’t think companies like this existed anymore. If they start offering health insurance for people, I’m signing up! Thank you so much, Spot! Our family is incredibly grateful for you!
I am very thankful
I am very thankful. My Sammy got a surgery at ER which means “expansive medical cost” i am so glad i have spot insurance it paid most of my expenses. Most important thing is SAVED my furkid life!! I don’t have that much cash in my saving by then and I have no choice to not to save him. Spot insurance claims easy as pie with their APP. And I just got check today. Thank you spot insurance you made my life easier while bag things happened!
Spot Insurance is the Best!
Easy claim process and fast payment.
Great so far!
So far, we've had a positive experience with SPOT Insurance. We have a 14 year old dog who we needed to get insurance for due to her old age and fear of something happening and not having coverage to pay for it. SPOT was one of the best resources we found and their team is really helpful, thorough, and patient as you're trying to figure out what's best for your pup!
Highly recommend
We are first time pet insurers and chose Spot for our boy over a year ago in the off chance of something unexpected happening and we are so thankful. Our nearly 3 yr old pup was diagnosed with bilateral hip dysplasia and just underwent total hip replacement surgery. Spot has completely met our expectations and their representatives have been kind and supportive throughout the process.
The claim was handled in a quick and…
The claim was handled in a quick and efficient way
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.
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.