Your Friend Invited You to Check Out Spot!

We know how much your furry friend means to you!

Our plans provide coverage for eligible treatments and services for covered conditions that you won't find with some other providers' plans. Trust Spot to have your pet's best interests at heart.

How Pet Insurance Works

1

Visit Any Licensed Vet

Get vet treatment in the US or Canada.

2

Submit Your Claim

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

3

Get Cash Back

Get paid back for eligible vet bills for covered conditions.

What is covered in Spot plans?

Plan Options
Spot accident & illness plans cover eligible diagnostics and treatments for costly accidents and illnesses:

Vet Exam Fees

Microchip Implantation

Behavioral Issues

X-rays & Tests

Emergencies & Hospitalizations

Skin, Eye, and Ear Infections

Hereditary Conditions

Dental Illnesses

Digestive Illnesses

Hip Dysplasia

Affordable Pet Insurance Plan Options 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.

Cat & Kitten Insurance Plan Options

as low as

$14/mo**

Dog & Puppy Insurance Plan Options

as low as

$20/mo**


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Happy Pet Parents Trust Spot

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Frequently Asked Questions

Have questions about pet insurance and how it works? Don’t worry, we’ve got you covered.

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.

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.

Click the Claims icon and follow the simple instructions. Don’t forget to take a picture of your invoice and upload it to complete the claim submission.

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.