How Pet Insurance Works
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.
Happy Pet Parents Trust Spot
Rated 4.2 / 5 based on 1,099 reviews
Showing our 4 & 5 star reviews
Spot Pet Insurance is Worth Every Penny!
“Spot pet Insurance has exceptional customer service. They are always friendly and accommodating whe...
Really easy and helpful
I've only had spot for a few months but we have needed to use them and the claims are easy to submit and...
Very easy to customize your coverage
“Very easy to customize your coverage for your pet. It also provides option to add wellness coverage, which...
Quick and easy to apply
Super easy to sign up and the person I talked to on the phone was very helpful. It’s nice to find an insurance that...
Spot Pet Insurance is Worth Every Penny!
“Spot pet Insurance has exceptional customer service. They are always friendly and accommodating whe...
Really easy and helpful
I've only had spot for a few months but we have needed to use them and the claims are easy to submit and...
Very easy to customize your coverage
“Very easy to customize your coverage for your pet. It also provides option to add wellness coverage, which...
Quick and easy to apply
Super easy to sign up and the person I talked to on the phone was very helpful. It’s nice to find an insurance that...
What is covered in Spot plans?
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
Cancer & Growths
Infectious diseases & diseases from parasites
Orthopedic
Swallowed Objects & Toxins
Diagnostics & Treatments
Prescription Medications
Surgery & Specialized Care
Advanced Care (e.g. Stem Cell Therapy)
Virtual Vet Visits
Alternative Therapies (e.g. Acupuncture)
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
Wellness Exams
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.
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.