Pet Parents
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+ Up to 90% Cash Back on covered vet bills
+ Visit any licensed vet in the U.S or Canada

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Accident & Illnesses Coverage for Cats & Dogs

Your pet deserves the same love and care they get at home when it comes to pet insurance. Take the first step to getting help protecting your pet's heath with a plan provided by Spot, with love-you-back benefits including:

  • Up to 90% reimbursement rate on eligible vet bills.
  • Visit any licensed vet, specialist, or ER clinic in the US or Canada.
  • Accident-only coverage for as low as $0.67/day**
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**Based on accident-only plan with 5K annual limit, 70% reimbursement rate, and $500 deductible in 33407 for a one year old medium mixed breed. Plan costs vary based on plan type, pet breed, age, and location.

Your Favorite Celebs Are Talking About Spot

Paula Abdul


“My four-legged gems lighten up my life”

Tituss Burgess


"I would stop at nothing to make sure my dog was cared for."

Bethenny Frankel

TV Personality

"My pets are a part of the family"

Tom Felton


"Willow's health is very important to me"

*Paid Endorsement for Cameo Videos

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Visit any licensed Vet, Emergency Clinic, or Specialist in the US or Canada.

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.

Payment for eligible vet bills can be sent by direct deposit or check by mail.

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Pet Insurance FAQ

Read here to learn more about Spot Pet Insurance.

What is Pet Insurance?

Pet insurance is for paw-rents seeking a financial safety net for accidents or illnesses that their pets might experience in the future. Pet insurance plans provided from Spot have deductibles, reimbursement percentages, annual limits, and premiums.

How Does Pet Insurance Work?

After you have your custom pet insurance policy and have paid your premium on a monthly or annual schedule, celebrate by taking your furry friend to the park or beach!! When you need to visit the vet for a covered condition, you can submit a claim for reimbursement that will include an itemized receipt from your vet visit.

Do All Vets Take Spot Pet Insurance?

You can visit any licensed veterinarian, specialty clinic, or emergency clinic in the US or Canada.

What Does Pet Insurance 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 dog’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.

What Does Pet Insurance Not Cover?

For a comprehensive list of policy exclusions and limitations, click here to view a sample policy. Some common exclusions include:

  • Pre-existing conditions
  • Conditions occurring within policy waiting period(s)
  • Day care/boarding
  • Breeding Costs
  • Cosmetic procedures
  • Preventive Care

What is a Pre-Existing Condition?

A pre-existing condition is any injury or illness which occurred or had symptoms before the start of your pet’s policy, or during a relevant 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. Most pet insurance plans do not cover pre-existing conditions, though each may define a pre-existing condition differently. Spot defines a pre-existing condition as a health problem that occurs before coverage is effective or during a waiting period. However, an injury or illness that is curable, has been cured, and is 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’s the Best Age to Get My Pet Covered?

Plans provided by Spot don't have an upper age limit for new enrollments or coverage. We advise all paw-rents to insure their dog or cat 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 dog develop a "pre-existing condition" before they're insured.

Thousands of Pets are Loving Spot

(we think your pet will too!)

They also think we're pretty cool.