COVID-19 update: We will not cancel or non-renew any active policies due to non-payment through August 1, 2020. If you need assistance, please call us at 1.800.905.1595 to learn more.

Together we can help pets lead longer, healthier lives.

Why Pet Insurance

As a pet parent, you know how expensive vet visits can be.

It’s a financial safety net in case of accidents, injuries, illnesses, chronic conditions…

SPOT pet insurance plans reimburse you up to 90% of those eligible vet bills.

SPOT plans offer thousands in coverage with options starting at less than a cup of coffee per day.*

How it Works


Visit Any Licensed Vet,
Emergency Clinic
or Specialist.

Get the care your pet
needs and pay your bill.


Submit Your
Claim.

Send it in through our app
online, by mail, or by fax.


Get
Reimbursed.

We can send a direct
deposit or mail a check.

How it Works

Step 2

 

Submit Your
Claim.

Step 3

 

Get
Reimbursed.

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Let's get your
pet covered.

Tell us more so we can fetch
a great plan for you.

What is Covered for
Your Dog or Cat?

coverage-dogs

Accidents

SPOT On Coverage takes care of costs for injuries and emergencies related to your pets accidents, like bite wounds, cuts, broken bones, lodged foreign objects, and toxic ingestions.

Illnesses

With your SPOT On Coverage, you'll be reimbursed for the costs of major and minor illnesses, such as cancer, arthritis, hypothyroidism, digestive problems, and UTIs.

Hereditary Conditions

SPOT recognizes that dogs, like people, can inherit conditions like heart disease, eye disorders and hip dysplasia. We help with the bill when these conditions arise, too (just no pre-existing condition coverage).

Behavioral Issues

This coverage can help you manage the costs of diagnosing and treating a behavioral condition, with symptoms such as destructive chewing or scratching, fur pulling, excessive licking, pacing, or going outside the litterbox. Treatment for these kinds of conditions may include medication to reduce anxiety and behavioral modification techniques.

Wait...there is more!

Alternative Therapies

There are all sorts of alternative therapies now available for pets, such as acupuncture, physiotherapy, chiropractic care, rehabilitative therapy, hydrotherapy, and low-level laser therapy. SPOT On Coverage can reimburse you for alternative therapies your pet might need to treat a covered condition.

Chronic Conditions

These are conditions that need care across multiple plan periods, such as diabetes, and cancer. With SPOT On Coverage, you don’t have to worry about a condition becoming ineligible for coverage just because it is ongoing.

See How Our Competition Stacks Up

Insurance Plan Coverages
Nationwide
Pet Plan
Healthy Paws
Preventive Care Option (?)
Included
Included
Not included or some inclusions
Not included or some inclusions
Exam Fees (?)
Included
Included
Includeds
Not included or some inclusions
30-Day Money Back Guarantee (?)
Included
Not included or some inclusions
Included
Included
Therapeutic Diets (?) & Dietary Supplements (?)
Included
Included
Not included or some inclusions
Not included or some inclusions
Microchip (?)
Included
Included
Not included or some inclusions
Not included or some inclusions

*Comparison information is provided using publicly available information as of 8/7/2020 and is only meant to summarize program features, not a specific plan. Review the provider’s plan terms for more details. The description of the providers’ plans are not provided by that company. If you have questions about other plans, please contact an agent of that company. It is our intention to provide fair and accurate comparison information. We attempt to keep information up to date but it may change from time to time. If you are aware of any inaccuracies or changes in the information provided, let us know by emailing service@customer.spotpetins.com.

Let's get your
pet covered.

quote-dog-2

Tell us more so we can fetch
a great plan for you.

Furry Fan Feedback

We love to share the good news and are so
happy to see our furry friends healthy.

Best and Safest Toys for Dogs

Having Spot Pet Insurance helped me save hundreds on my dog Star’s x-rays! So happy she is doing well now!

STAR - Pitbull
West Palm Beach, FL
Ambassador Stella

Stella my goldendoodle was limping for days. Spot saved the day and I was able to get her examined without spending thousands of dollars.

STELLA - Goldendoodle
West Palm Beach, FL
Keep Your Pets Safe In The Car

Doug was so sick and having Spot allowed me to take him to a vet even while we were traveling and on vacation.

DOUG - Pug
High Point, NC

*Plan costs vary based on plan type, pet breed, age, and location.