Top-Rated Pet
Insurance for
Cats & Dogs

Easy Coverage to Help Pets Feel Better, Faster.

Get My Price

How Pet Insurance Works

Visit Any
Licensed Vet

Pay your veterinarian.

Submit
Your Claim.

Send us your bill online.

Get Your
Cash Back

We pay back in days.

All-Star Reviews from Spot's Pet-Lovers

Happy Spot Had My Back

"Purchasing insurance for my
puppy was personal, smooth
and quite pleasant."
- Joan S.

Happy Spot Had My Back

"Purchasing insurance for my
puppy was personal, smooth
and quite pleasant."
- Joan S.

Best Decision Ever!

"Spot pet insurance has
exeptional customer service.
They are always friendly and
accommodating with..."
- Nancy D.

Best Decision Ever!

"Spot pet insurance has
exeptional customer service.
They are always friendly and
accommodating with..."
- Nancy D.

So Glad I Joined...

"Smooth and easy claim
process. I can do everything on
my phone. the claim gets
processed within a week."
- Wenlin S.

So Glad I Joined...

"Smooth and easy claim
process. I can do everything on
my phone. the claim gets
processed within a week."
- Wenlin S.

How to Choose the Best Insurance Plan for your Pet

Life is full of surprises, Spot helps anticipate the
expected and unexpected making it easy and simple
to choose a pet insurance plan that you can count on
and is accepted at any licensed vet in the United States.

Accident Only

Covers
  • Fractures and cuts
  • Swallowed objects
  • Toxic ingestions
  • Bites

Accident & Illness

Covers
  • Accidents
  • Illness: cancer, respiratory
    infections, diabetes.
  • Hereditary conditions

Preventative

Optional Add-on
  • Starts at $9.95/mo, covers
    annual check-ups, dental
    cleanings

Pet Insurance FAQs

Claims can be submitted easily through our login page. Visit our homepage and click Member’s Portal.

If the ownership of your pet changes to another individual, we can transfer the policy to the new pet owner without any interruption of coverage. To process this request, you will need to submit proof of new ownership, including the new owner’s full name, address, and phone number. We will also need to update the billing portion of the policy to include the new customer’s preferred payment method prior to processing the policy transfer.

To start the transfer of ownership policy change, please reach out to Customer Service.

You can enroll your pet in a plan provided from Spot once your pet is 8 weeks old or older. There is no upper age limit for coverage or enrollments.

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.

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.