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What's Covered?
How Pet Insurance Plans by Spot Work
Visit Any Vet
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 Paid!
Get cash back quickly for covered vet bills either direct deposit or check – you pick.
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 4.7 / 5 based on 4,930 reviews
This was my first experience submitting…
This was my first experience submitting a claim. The form was self explanatory and mercifully short. The claim was processed very quickly and the checks received in less than a week. I was very very pleased with your process.
Only used once but so far is everything…
Only used once but so far is everything we hoped it would be.
Comprehensive Coverge/Many Options
Spot Pet Insurance appeared to offer a lot of options depending on what one wants to spend and so far, I am happy with the choices I’ve made
Responds quickly
Responds quickly. Helpful, Courteous, Professional, great coverage for wellness and preventive care. Never had this type insurance, prior insurance was for emergency care or illness, so insurance cost for over 6-7 yrs with nothing covered because I was lucky my fur babies were never ill or had accidents. Nice to get some coverage for the premium I pay. I just used on wellness check, vaccines, and dental issues. All my babies are being taken care of and it consoling knowing they will be well taken care of with SPOT!!
Fast Service
Fast claims processing, great customer service, and extensive coverage
Easy claim process
Easy claim process. Recommend 10/10.
Reinbursement right away...lov it
Reinbursement right away...lov it
easy to file claim
easy to file claim, Fast reimbursement straight in to my bank account 3 days. Best company I have ever worked with.
Very pleased with their service
Easy to use,all online and money is in my bank account in 5 days. In 2 yrs,I have had no bad issues with Spot.
Great insurance!
Customer service is very helpful. Claims are easy to submit and quickly processed.
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?
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.
Plans provided by Spot do not cover pre-existing conditions. 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.