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 in our 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
Great customer service
Great customer service! Truly caring people that are on the other side of the call. They advised me of how the insurance works and they were quick to reimburse my claim. I like this insurance company so much I got my friends and sister to join them as well.
Great first experience…
Took my girlie for her annual and filed a claim on her wellness coverage. Super easy process, great communication and quick resolution. Very happy with this company. Would highly recommend!
Great assistance
The rep I spoke with when I called in to ask about a claim was very helpful. She answered my questions, waited to make sure I could get into my account on the app, and walked me through the process. She acted like she really wanted to help me and not just rush through my questions. Very polite.
Navigating their website for submission…
Navigating their website for submission of claims is easy. Reimbursement for my claims got deposited into my account in only a few days after I submitted my claim. It was a fast and easy process. Their monthly premium payment is reasonable. Thank you!
The process of filing the claim was…
The process of filing the claim was easy and straightforward.
Excellent pet insurance
Very good with communication and fast at resolving open claims. Good value also.
I've loved my experience with Spot!
I've loved my experience with Spot! No other company such an understanding policy surrounding pre-existing conditions. Also, Spot has always received and processed most of our claims within a week or a few days and we are so grateful for it!
Quick easy claim process.
Quick easy claim process.
I just obtained Spot Pet Insurance for…
I just obtained Spot Pet Insurance for my two dogs… First time I've ever had pet insurance in my life… Filled out the claim form post vet visit for a sick dog and check is on its way to me… only took 7 to 10 days… I've met my deductible!
Our claims were resolved very quickly
Our claims were resolved very quickly! Downloading invoices was so easy and the response to claims was super fast. We had a different insurance company and they were so difficult to work with and accepted no claims. So glad we found Spot they are amazing.
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.