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How Pet Insurance Plans by Spot Work
Visit Any Vet
Yep! There are no vet restrictions. Visit any vet in the U.S. or Canada.
Submit Your Claim
Send us your bill online, in our app, or via fax.
Get cash back quickly for covered vet bills either direct deposit or check – your choice.
Affordable Plans for Cats & Dogs
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.
Happy Pet Parents Trust Spot
Rated 4.6 / 5 based on 3,095 reviews
Showing our 5 star reviews
Quick turnaround on funding decision
Quick turnaround on funding decision, thank you!
Quick and easy way to submit claims
Quick and easy way to submit claims. I have had no problems obtaining my reimbursements. Highly recommended over Nationwide pet insurance which I have had previously and always had to argue to get my claims accepted.
Such an easy and simple way to make a…
Such an easy and simple way to make a claim! I was very
I like this pet insurance company. Claims are easy to do and are done quickly.
I suggest Spot to all of my friends and…
I suggest Spot to all of my friends and family! With their easy to understand claim process and friendly customer service, taking care of my pets is so much easier. Thanks Spot!
Very responsive to inquiries and processing claims as well.
Easy claim submission
Easy claim submission. Very quick turnaround. Was able to clearly anticipate what would be covered based on policy. Smooth process was appreciated during emotionally upsetting time with pet.
Easy to use and convenient I had no…
Easy to use and convenient I had no trouble getting reimbursed just have to upload the file or take a picture of the invoice and you are solid.
Recently signed up my new puppy - Clover
Recently signed up my new puppy. I’m very happy with how fast the claims process is! I figured with a new puppy I’d be spending money on veterinary costs anyway. This just gives me peace of mind that some of the puppy costs are paid over time and not all at once. Would definitely recommend Spot!
LONG TIME HAPPY CUSTOMER
I've been a long time customer and have had to file a few claims over the years. It's always fast and simple and processed quickly. This most recent time was the fastet a claim has been processed and reimbursement received. I'm happy with the service and as mentioned it has proven worthwhile to me several times in the past 😀🐱
Frequently Asked Questions
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.
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.
What is 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.
However, with pet insurance plans provided by Spot, this doesn’t mean the condition can’t be covered in the future if the condition is curable. An injury or illness that is curable, cured, and free of treatment and symptoms for 180 days will no longer be regarded as pre-existing, with the exception of knee and ligament conditions. If a knee or ligament condition occurs before the coverage effective date or during a waiting period, any future ones won’t be covered.
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.