America's Favorite Pet Insurance

Affordable Comprehensive Coverage to Help Pets Feel Better, Faster.

The trustpilot logo and a 4.5 star rating in teal

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 2,234 reviews

What is covered in Spot plans?

Plan Options
Spot accident & illness plans cover eligible diagnostics and treatments for costly accidents and illnesses:

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

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.

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.