Pet Insurance Made Easy

  • Up to 90% Cash Back on Vet Bills
  • Visit Any Vet in the U.S. or Canada
  • 10% Multi-pet Discount for Added Pets
  • 24/7 Pet Telehealth Helpline

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What's Covered?

Optional Add-On

Accident & Illness


  • Exam fees
  • Cancer, diabetes
  • Respiratory infections

Optional Add-On



  • Surgery & hospitalization
  • Swallowed objects
  • Toxic ingestion

Optional Add-On

Preventative Care


  • Dental cleaning
  • Spaying or Neutering
  • Annual wellness exams

How Pet Insurance Plans Provided by Spot Work


Visit Any Licensed Vet

Get vet treatment in the US or Canada.


Submit Your Claim

Send us your bill online, in our app, or via fax.


Get Cash Back

Get paid back for eligible vet bills for covered conditions.

Pet Insurance Comparison

See Why Spot is Leading the Pack

Thousands of pet parents are choosing Spot. See why Spot plans are widely preferred over other pet insurance options.

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Why Choose Plans Provided By Spot?

Trusted by Pet Parents

Rated Excellent 4.2/5 Stars

Recognized by Forbes

5-Star Rated

Committed to Helping Pets


avg. claims paid /month

Happy Pet Parents Trust Spot

Rated 4.2 / 5 based on 1,398 reviews

so easy to sign up and get started

so easy to sign up and get started

Kathy Kramer

about 24 hours ago

Great customer service

The guy that helped me was excellent and very knowledgeable!!


about 24 hours ago

Great customer service in enrolling my…

Great customer service in enrolling my Finnegan.

Carin Donato

about 24 hours ago

Easy sign up

Deciding to get pet insurance makes an accident or illness for Bonnie less stressful. Deciding to care for the unexpected a no brainer. I don’t have to do anything other than care for my dog. Peace of mind during the unexpected.

katehriine beevers

3 days ago

Showing our 4 & 5 star reviews

Affordable Plans for Cats & Dogs

Life is full of surprises. Spot helps pet parents plan for them with easy and simple pet insurance options that can be used at your licensed vet in the US or Canada.

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 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 paw-rents to insure their pet at a young age.  You can enroll your pet in 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 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.

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