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
Always great service, response, & reimbursement done in a timely manner! I would recommend Spot Pet Insurance to everyone.
Always great service and response
Fast
Fast, efficient, and courteous service. Thank you!
We just filed our first claim
We just filed our first claim on our policy and the whole process was easy and quick. We got our reimbursement within just a few days of filing. We are so happy we have insurance with Spot for our little man.
quick and easy
quick and easy
Best pet insurance around
Wow. Great company. I was so impressed with the ease of filing a claim on the app. They were so accommodating and kind during an emotional time. Highly recommend.
Spot insurance for your pet is the way to go
Thank you Spot insurance for processing our claim swiftly
Fast, simple, stress free processing!
After over a year of holding my policy without using it, we sadly had an emergency and my dog needed immediate medical attention and surgery. The process of filing claims with Spot was so easy and their processing time was much faster than I thought! I am extremely grateful for this coverage as I would have been in a horrible financial situation if we didn’t have the plan. Thank you Spot for covering my dog’s care as easily and fast as you did with no questions asked! You made the process so much less stressful and Aella is on the road to recovery!
My experience was GREAT
My experience was GREAT! I submitted an estimate and got a quick response. Once I submitted the claim it was processed and paid quickly with no issues! Everyone I have had interaction with has been friendly and helpful.
Easy
It's easy to submit claims and know the status of your claim. Reimbursement is fast.
I have been using Spot for about a year…
I have been using Spot for about a year now and they’ve been fantastic! Claims are quickly & fairly assessed, and before you know it your reimbursement has been direct deposited! Zero complaints. Five stars!
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.