Pet Parents Love Spot.

(even celebs are talking about it.)

    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 health 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**

    **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.

    Singer Paula Abdul with her dog

    Paula Abdul

    “My four-legged gems lighten up my life” Singer

    Actor Tituss Burgess

    Tituss Burgess

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

    TV Personality Bethenny Frankel

    Bethenny Frankel

    "My pets are a part of the family" TV Personality

    Singer Paula Abdul with her dog

    Tom Felton

    "Willow's health is very important to me" Actor


    Visit Any Licensed Vet

    Get vet treatment in the US or Canada.


    Submit Your Claim

    Send us your bill online, in our app, or via fax.


    Get Cash Back

    Get paid back for eligible vet bills for covered conditions.

    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 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 paw-rents to insure their pet 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 pet develop a “pre-existing condition” before they’re insured.

    Does Pet Insurance Cover Exam Fees?

    Not all 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.

    They also think we're pretty cool.