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 2,163 reviews
Showing our 5 star reviews
Spot has been absolutely amazing and a literal life saver. My cat has been dealing with an ear polyp issue for most of the year and Spot has not only covered her bills, but the claim processing time has been great and timing has always been accurate. Everything is so seamless. Even customer support has been so kind. I have already recommended Spot to friends and will continue to do so!
My claims were paid quickly with no…
My claims were paid quickly with no hassle. Everything was easy to do online. Very pleased!!
Great experience so far
Great experience so far
I highly recommend this company
I highly recommend this company! My dog has had many health issues this year. I’ve brought him to the Vet multiple times. Every time I submit the invoices in , they respond quickly with the refund. Very satisfied!!
No Hassles for Emergencies
Our pup needed emergency surgery last year. Spot was great about reimbursements. Pup is doing great now! We'll stay with Spot.
The claims experience was simple
The claims experience was simple, quick and as advertised. Very happy customer.
Claims are easy, and fast results!
Spot is what they say
Spot has been amazing from the very beginning, I got it for my rescue terrier mix doggie. The customer service has been excellent if you have questions, when you put in a claim the turn around is quick getting it back to you. Would recommend spot to anyone who has a pet.
Very happy with this insurance so far
Very happy with this insurance so far. I had ASCAP for my last pet and they changed the coverage after 16 years and did not cover anything. SPOT Insurance customer service it very good, they settle claims quickly.
Good customer service also, fast refunds
Every time I had to use the insurance, it was easy and fast, thank you for making it so easy for pet insurance
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.