Bivvy Friends,
Meet Spot

Bivvy isn’t opening new policies at this time.
Instead, they recommend you check out our
Spot plans.

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Join the Spot Pack

Pet parents can join Spot Pet Insurance and be treated to simple, affordable protection you’ll both love.

How Spot Works


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 Spot Plans Cover

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Accident & Illness

Covers the following and more:

  • Accidents

  • Illnesses: Cancer, Respiratory Infections, 
and Diabetes

  • Hereditary conditions

See More

Accident Only

Covers the following and more:

  • Fractures and cuts

  • Swallowed objects

  • Toxic ingestions

  • Bites

See More

Preventative Care Coverage

Optional Add-on for an extra cost:

Starts at $9.95/mo, covers annual check-ups,
dental cleanings.

See More

Pet Insurance FAQs

How are My Pet Insurance Premiums Calculated?

In general, your premium is based on your pet’s age, your pet’s breed, and where your pet lives. Some other factors that impact your premium are: the plan you choose, your deductible, your reimbursement percentage, if you have included preventative care coverage or not, and the discounts for which you are eligible.

Do Plans Provided by Spot Have a Money-back Guarantee?

Plans provided by Spot offer a 30-day money-back guarantee, so feel free to take a look and see what a SPOT plan can do for you and your pet. If, within the first 30 days of your policy you wish to cancel, you can get a full refund of the premium amount.  The 30-day money-back guarantee is available if no claims have been covered.  It’s not available in NY or ME.

Does Spot Offer a Plan for Preventive Care Coverage?

Yes, you can add preventive care coverage to your policy for a little more cost. When you add preventive care coverage, you’ll be reimbursed up to the scheduled amount for things that help protect your pet from getting sick. You don’t have to satisfy your deductible before you can be reimbursed for preventive care coverage benefits, and there is no waiting period for them either.  Find more information on preventative care coverage here.

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.

For a full list of terms and conditions, click here to view a sample policy.

Pet Parents are Loving Spot

Thank you for having such incredible coverage. Because of your insurance I didn’t question taking my boy to the emergency vet for stomach issues. And because of the traveling emergency vet who happened to be there that day, she caught the beginning of spinal disease that normally isn't caught until paralysis. We aren’t sure where treatment will lead us, but if it wasn’t for your insurance coverage we would have been in a far worse position.

-Jackie and Ollie

Have Questions?

Dig up answers to your questions or receive help signing up.
Our customer service team is just one phone paw away.