Affordable Pet Insurance Plan Options

Your spot for simple dog & cat insurance

  • Accident & Illness and Accident-Only plans
  • Preventive Care coverage available to add for a little extra cost
  • 10% Multi-pet discount for additional pets
Dog and cat together

Get a free quote. It's silly simple.

  • Customize a plan that works for you
  • Visit any licensed vet in the US or Canada
  • Submit a claim through our customer portal
  • Get reimbursed between 70% - 90% on eligible vet bills

You could get reimbursed thousands for covered conditions with premium price options starting at less than the cost of a cup of coffee a day.*

Very easy claim process and insanely quick claim payout. Very impressive, never expected anything like this from an insurance company. - Sergei P.

Screen Shot 2021-07-20 at 4.12.55 PM

Because our pets make us better people.

Dog and cat together friends

Pet insurance that's got their back

Pet insurance covers your dog or cat in case of unexpected injuries or illnesses.
With SPOT, you can customize your coverage to best suit the needs of you and your pet.


  • Injuries
  • Swallowed objects
  • Toxic ingestions


  • Hip dysplasia
  • Heart disease
  • IVDD


  • Excessive licking
  • Tail chasing
  • Destructive chewing


  • Cancer
  • Respiratory infection
  • Diabetes


  • Gingivitis
  • Periodontitis
  • Destructive chewing


  • Add for a little extra cost/month
  • Annual exams
  • Dental cleanings
  • Flea and heartworm prevention

How pet insurance 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.
Payments can be sent by direct deposit or check by mail.

24/7 Pet Health Helpline

As a thank you for enrolling in Spot Pet Insurance, we will provide you with immediate access to a 24/7 helpline for pet health, behavior, and wellness questions powered by VetConnect™.

Your questions will be answered by veterinary experts at no additional cost!

SPOT customer service headset

*Rates vary depending on plan type, species, breed, age, and location of the pet being insured.

Pre-existing conditions are not covered. Waiting periods, annual deductible, co-insurance, benefit limits, and exclusions may apply. For all terms and conditions visit Preventive Care reimbursements are based on a schedule. SPOT On Coverage reimbursements are based on the invoice. Products, schedules, discounts, and rates may vary and are subject to change. More information is available at checkout.

Insurance plans are underwritten by United States Fire Insurance Company (NAIC #21113. Morristown, NJ). Insurance plans are marketed and produced by SPOT Insurance Services, LLC. (NPN # 19246385)

© 2022 United States Fire Insurance Company. SPOT Pet Insurance Logo, Copyright 2022, SPOT Pet Insurance. All Rights Reserved