Top-Ranked Pet Insurance of 2023

  • Up to 90% Cash Back on Eligible Vet Bills - Simple, Easy Claims Process

  • No Complicated Networks - Visit Any Licensed Vet in the US

  • Help When You Need It - 24/7 VetAccess™ Pet Telehealth Helpline

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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

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.

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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.

Cat & Kitten Plans

as low as

$9/mo1

Dog & Puppy Plans

as low as

$15/mo2

A person wearing glasses embraces a large happy dog.

So Glad I Joined

“Smooth and easy claim process. I can do everything on my phone. The claim gets processed within a week.“
-Wenlin S.

Get Spot!

"You won't regret it. Wonderful experience so far with Spot Pet insurance! It was really simple and quick process!"
-Tori D.

Best Decision Ever!

“Spot pet Insurance has exceptional customer service. They are always friendly and accommodating with...“
-Joan S.

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.

1Advertised price based on an accident only plan for a 1 year old mixed cat in 33132 with a $2,500 annual limit, 70% reimbursement rate, and a $500 annual deductible. Plan rates may vary. Advertised prices are rounded up to the nearest whole USD.
2Advertised price based on an accident only plan for a 1 year old small mix (11-25lb) dog in 33132 with a $2,500 annual limit, 70% reimbursement rate, and a $500 annual deductible. Plan rates may vary. Advertised prices are rounded up to the nearest whole USD.