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What's Covered?
How Pet Insurance Plans Provided by Spot Work
Visit Any Licensed Vet
Get vet treatment in the U.S. 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.
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 4.4 / 5 based on 2,119 reviews
Showing our 5 star reviews
Easier than expected to turn in a…
Easier than expected to turn in a claim, and very happy with the results. Well worth my premiums. They've treated my fur babies and I well!
Prompt payment and excellent customer…
Prompt payment and excellent customer service
Spot Insurance has been superb
Spot Insurance has been simply terrific. They have been fair, honest, and professional. They are everything they represent themselves to be, and more. We are so happy we went with them. When I think of Spot I am reminded of a TV ad for insurance (of some other kind) that I saw when I was a boy. The final line of the ad was: "The peace of mind it gives you, is free" .
Easy
Easy to place claim
Quick & Easy
Everything has been so easy, you fill out the form and send it in. The response is fast and clear. I love it.
Very responsive customer service.
Very responsive customer service.
Great insurance for pets
Great customer service
Very happy with my experience when my…
Very happy with my experience when my pup needed surgery. My claim was paid quickly with no problems. Great customer service.
Why I recommend spot insurance.
Charlie my 2 year old Havanese needed surgery for her cherry eye. It was fast and easy to submit the claim. Processing and reimbursement was quick as well. Very happy with our choice to go with Spot insurance. So far have not needed to contact customer support. Have submitted several other claims since joining about a year ago, same great overall experience for all.
Affordable and good coverage
The policies are inexpensive but provide the necessary coverage.
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. Â
However, Spot accident & illness plans cover treatments for dental illnesses. The only treatment covered for dental accidents is tooth extractions.Â
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.Â
What is a Pre-Existing Condition?
Plans provided by Spot do not cover pre-existing conditions. Â
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 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 pet insurances cover exam fees. Spot plans cover exams for covered conditions.Â
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.