How Pet Insurance Works
Visit Any Licensed Vet
Get vet treatment in the U.S. or Canada.
Submit Your Claim Easily
Submit your claim online or in our app.
Get Cash Back
Get paid back for eligible vet bills for covered conditions.
Happy Pet Parents Trust Spot
Rated 4.4 / 5 based on 2,202 reviews
Showing our 5 star reviews
They are super quick to process claims
They are super quick to process claims. When my dog passed away, they were thoughtful to call and send a letter of condolence.
great Insurance
When the called to cancel my pup that passed away. They were so nice and helped me with the other questions I had. The app is awesome and easy to navigate.
Fast and easy!
Fast and easy!
Timely turnaround of claims processing.
Timely turnaround of claims processing.
My Great and Easy Experience
What made my experience great was the ease in choosing this insurance. Also how simple it was to submit a claim and not to mention how useful the app is!
Very good service
Very good service
Fast delivery
Fast delivery
New to Spot and so far, so good!
I am new to Spot after years at other pet insurance providers. I am very impressed thus far at the online claim submission process, and speedy processing of claims and depositing of your benefits.
Spot Insurance is great.
The claims were easy to file, and the turnaround is fast. I've been very pleased with their service.
Extremely happy with Spot!
This is the first time I’ve bought pet insurance for a pet and I am so impressed with how straightforward and easy it was to process my claims after my puppy went into anaphylactic shock recently. Of course I would have spent whatever it took to save him - and he’s fine now, thankfully - but when the dust settled and I remembered that I had the insurance, I submitted my claims online and in less than a week they were processed and paid. If only human health insurance worked as smoothly as Spot Pet Insurance! I would recommend them to anyone.
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
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 VetAccessâ„¢.
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. Â
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.