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
Has been wonderful insurance for my dog…
Has been wonderful insurance for my dog !
Easy app to process a claim and…
Easy app to process a claim and expedient service after it's filed. I'm very happy to have chosen SPOT for my German Shepherd Roxy.
Claim service is quick and easy.
Claim service is quick and easy.
Great coverage
Great coverage, helps financially a lot for my pup! Haven’t encountered many insurances that give cash back for preventative services which is fantastic.
The people at Spot Pet Insurance…
The people at Spot Pet Insurance responded to my claim well. I got the payment I expected. I did find it difficult to navigate their online information. I was happy with the service I got when I called them to request forms etc.
Peace of mind
My dog was injured and I ended up taking him to the emergency vet during the middle of the night. Of course the cost was high. I was only worried about him that night. But the next day, he was starting to feel better and I was worried about the cost. I filed a claim and the funds came back quickly. I am very grateful for SPOT.
Claims are easy
Claims are easy and very quickly addressed It’s a good piece of mind to have knowing your fur babies are going to be taken care of!
Very good pet insurance.
I followed the directions and submitted the itemized bills from the doctors and Pharmacy and was promptly reimbursed to my checking account. That was so wonderful since I had to put out the money first so I appreciate the prompt reply from spot pet insurance.
So glad I got Spot
I am so glad that I got insurance with spot! After my kitten’s first vet bill, I knew there was potential to need insurance for them, but I also needed something affordable. Spot has plans that fit my budget and have helped me immensely in case of accidents and illness. It’s so much relief to be able to get my pets the care they need knowing that I will be able to afford it! It’s very easy to file claims and set up an account, and the amount that you pay depends on the coverage you want.
The claim process was super easy
The claim process was easy and it was processed quickly. EOB was straight forward and easy to understand. I got my money back in less than a week.
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.