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 Up to 90% Reimbursement
Get paid back for eligible vet bills for covered conditions.
Happy Pet Parents Trust Spot
Rated 4.2 / 5 based on 1,449 reviews
Showing our 4 & 5 star reviews
When I joined they called and welcomed…
When I joined they called and welcomed me and I thought that was very thoughtful!
Cancelling a policy
I goofed up when doing the policies for my pups. I spoke to a representative to take care of it and she was wonderful, so understanding that I needed to cancel Maizie's policy. She also refunded the cost of the policy while we were on the phone. Very impressive.
I just joined Spot Pet Insurance
I just joined Spot Pet Insurance. Sign up was very easy. I have not yet had an experience with a claim as of yet. But, I'm sure it will be just as easy.
Easy to sign up
Easy to sign up
Easy to do
The ease in which I completed the aplication.
Sign up was easy- it was great to have…
Sign up was easy- it was great to have a transition from Bivy. Hope Spot does as well as they did!
Easy to sign up
Easy to sign up, all information easily understood. Will see when I go to vet how it works!
It was easy to put my Claim in and all …
It was easy to put my Claim in and all I had to do was follow the instructions.
Easy to navigate and get things done
Easy to navigate and get things done I hope that my claim gets processed as easily
It was within my budget to afford pet…
It was within my budget to afford pet insurance and the level of care. I can use the same vet near my house. Haven't used it yet. My boy is 2 yrs old 6/6/2023 and due for his annual wellness check
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.
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.