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
Showing our 5 star reviews
The ease of submitting claims and…
The ease of submitting claims and prompt action when reviewing.
Fast service! No problems
Reasonable rates. Claim submission is a breeze with responses normally within a week.
Amazing! Easy to use app, quick reviews and reimbursements after submitting all the medical records. They are true to the contract and zero hassle! So happy with Spot insurance for my large breed dog!
Spot is more than reasonably priced for…
Spot is more than reasonably priced for the coverage you get. Very quick returns on reimbursements and great customer service.
First full year on insurance!
Thankfully my young guy has not had anything too horrible; Howe we’ve had a few unexpected issues and I have had no problems submitting his claims nor receiving the reimbursements. They are pretty timely; and I’m very pleased with the knowledge that I have him covered for unexpected issues.. I’m very grateful to know SPOT is in our corner:)
Affordable with Quick Reimbursements
I had another pet insurance through my organization that did not cover what I needed such as dental and decided to look elsewhere and found SPOT to be the best for what they offer. I have researched so many pet insurance companies and SPOT offered more than the other competitors, plus once you submit your vet bill (after you have paid the deductible) the reimbursement process is fast (that's a plus)!! So far, I've had SPOT since the beginning of the year and it has been great especially since I had unexpected vet bills. So, I always recommend them to family and friends...again do your own research.
Quick turn around time for…
Quick turn around time for reimbursement.
Could not be happier with this plan
Could not be happier with this insurance plan. They do not make it difficult to get a claim paid and they have been so helpful the two times I have called in with questions. This is excellent insurance and you can tell it is run by people that love pets.
fast payment and easy
fast payment and easy. to. use for claims
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.