How Pet Insurance Works
Visit Any Vet
Yep! There are no vet restrictions. Visit any vet in the U.S. or Canada.
Submit Your Claim
Submit your claim online or in our app – it’s quick and easy.
Get cash back quickly for covered vet bills either direct deposit or check – your choice.
Happy Pet Parents Trust Spot
Rated 4.6 / 5 based on 3,153 reviews
I’ve never been more pleased to have…
I’ve never been more pleased to have Spot Pet insurance for my dog. The two surgeries my pup had to have was very stressful and Spot insurance took care my claims quickly. Just one less thing to worry about.
Filing Claims are Easy and Fast!
I've been with Spot for about a year now, and I've been very happy with it! Not only does it cover a lot of expenses for my four legged companion, but filing a claim is quick and easy! They normally get processed within a few days, and I always have the money within a week. Great customer support too. Easy to get in touch with, and always super helpful
This is my first time using pet insurance.
Spot pet insurance is great! Easy to submit claims and fast reimbursement. I have peace of mind taking the dog to the vet and not going broke with high Vet bills.
Haven't had an issue since I started
Haven't had an issue since I started. Thanks! I'm happy my cat's prescription food is covered as well. Thankful to have this insurance.
Fast processing in claim
Fast processing in claim
Easy and reliable
Spot Pet Insurance has made pet insurance easy and reliable. Our dog has the mystery illness that has been going around the country and we have racked up quite a few vet bills over the last month. We've submitted everything to Spot in their online portal and within a few days the claim is processed and the reimbursement is in our account. The ease in submitting claims and quick turnaround time has certainly taken a burden off of us while we care for our little one.
Prompt reimbursement, clarity in what they offer/don't cover, overall very happy.
Submitting a claim was easy
Submitting a claim was easy. Processing was quick.
I have had great experience with Spot!…
I have had great experience with Spot insurance. We had an unexpected injury our girl tore her cruciate ligament and had to have surgery. I turned in my invoice and was paid within the week. They have been great!
Easy to process claims
Easy to process claims, quick response.
What is covered in Spot plans?
Spot Preventive Care Coverage Perks
Spaying or Neutering
Covered for an extra cost in the Platinum Preventative Add-on
Dental Teeth Cleaning
Cleaning coverage included in Spot's preventative care coverage options for an extra cost
Routine exams and screenings give your vet the opportunity to detect health issues in the early stages
24/7 Pet Health Helpline
Policyholders of insurance plans from Spot are provided immediate access to a 24/7 helpline for pet health, behavior, and wellness questions powered by VetAccess™.
Your questions will be answered by veterinary experts 24/7 at no additional cost!
Frequently Asked Questions
Have questions about pet insurance and how it works? Don’t worry, we’ve got you covered.
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.
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.
How Do I File a Claim?
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.
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 pet insurance 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.