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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 3,082 reviews
Showing our 5 star reviews
BEST experience Exceeded expectations Bought if for my young puppy. Never thought I would use it. About 9months she injured her shoulder. SPOT had been excellent. Start forward on what they cover and reimbursement was received quickly.
I had to take my little girl to the vet…
I had to take my little girl to the vet because she would not eat. She had a blockage and required Surgery which was about $5000. The policy reimbursed a major portion of my out of pocket expense.
I wouldn’t go anywhere else for pet insurance!
Excellent service, caring people, quick claim reimbursements!
Very good Pet Insurance and fast…
Very good Pet Insurance and fast response time.
So far, so GOOD
I have only been with SPOT for a very short while but so far I am very pleased. The signup process was easy and the premium was very satisfactory. I have already submitted several claims but since I haven't reached my deductible yet, I can't comment on the reimbursement process.
Ease of use of app
Ease of use of app, clear explanation of services, quick.payment!
Easy to file claims
Easy to file claims. I submitted our first 2 claims and within 7 days they were approved for reimbursement.
We have 2 dogs with spot insurance and…
We have 2 dogs with spot insurance and are very happy how they take good care of us and very easy to submit claims
Responsive and easy
Claim process is painless and easy. Submitted claims are quickly processed and closed.
It was very easy to use.
It was very easy to use.
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.